Affinity-Superhero-LandingPageHero
Earn 2.00% APY* on your checking account balance, up to $25,000
With a $25,000 balance, you’ll earn $42.08 in the 1st month!
10¢ back every time you use your card for anything over $5.00
Use your card 100 times in the month, receive $10!
Cell phone and identity theft protection
You’re covered for FREE with Affinity Plus!
Reimbursements on ATM surcharges
Get back up to $10 per month!
Stack of coins
Affinity Plus Checking: It just makes cents!

Affinity Plus earns 2.00% APY* for your checking account PLUS 10¢ back every time you use your debit card PLUS essential coverage.

Why pay $13 dollars a month for cell phone coverage and another $10 per month for identity theft when we can use ACU’s cooperative buying power to get it all for $7 per month.

Here’s what you get with Affinity Plus Checking:

How does it work? Simple! Each month you need to:

  • Have 15 debit card transactions of at least $5 post to and clear your account
  • Log onto ACU Online or ACU Mobile App at least once per month
  • Be signed up for and receive e-statements

Possible Affinity Plus Monthly Value Example
Plug in your own numbers!

Earnings

Cost Savings

Account Value / Month:
Cost / Month:

Frequently Asked Questions

Why charge $7 for what used to be a free account?

To offer all the benefits of Affinity Plus Checking we need members to be engaged in our services. When they are, we can extend substantial rates and savings. The service charge is there so members who choose not to engage with the credit union can still take advantage of the benefits.

What do I have to do to switch?

Nothing! Your account will automatically convert on November 1, 2018.

How do I sign up for Online Banking?

Click on Register under the Home Banking Sign In button. You will need your Social Security number, ACU member number, and date of birth. You can also visit a branch and a Member Service Representative can set you up.

How do I sign up for Mobile Banking?

Download the ACU Mobile Banking App in the Google Play Store or the Apple App Store and login with your online banking information. You can also visit a branch and a Member Service Representative can set you up.

How do I sign up for eStatements?

If you don’t receive eStatements already, simply opt in through your online banking account by clicking Settings, Additional Services, eStatement. You can also stop by any branch or call our Contact Center.

How do I sign up for ID Theft Coverage and how does it work?

Beginning November 1st, all named account holders on Affinity Plus checking accounts will have access to fully managed identity theft recovery services as well as identity theft expense reimbursement insurance. The primary Affinity Plus account holder will receive a separate notification with instructions and a Member ID to activate the included services. The monitoring services include Single Bureau Credit Monitoring, Annual Credit Report, Monthly Credit Score, and Dark Web Monitoring (profile, compromised email, and internet surveillance). More information can be found at  youracu.nxgstrategies.com.

Tell me about the Cell Phone Repair Coverage.

This plan provides a cash reimbursement of up to $500 per claim for repair or replacement for mechanical failure or accidental damage for all phones listed on your cell phone plan; a $100 deductible applies to each claim. There is no pre-registration required and it applies to both new and used cell phones and smartphones. There is a waiting period of 30 days after coverage start date with two claims per 12-month period. Certain terms, conditions and limitations apply to these benefits, so it is important that you carefully review the “Mobile Device Coverage Member Services Agreement” at youracu.nxgstrategies.com.

How do I sign up for Cell Phone Repair Coverage?

If you would like to make a claim, please call 877-274-8642. The representative will need to confirm your membership with ACU and then a claim packet will be sent to you within 48 hours

 

How do I file a claim for Cell Phone Repair Coverage?

To begin the process, simply call us at 253-964-3113 or submit your information here. Once we receive your contact and device information, you will receive an email with the claim form.

What if I don’t login to online or mobile banking during the month?

Your account will receive the $7 service charge at the end of the month and won’t earn the 2.00% APY, redeemed ATM fees or 10¢ cash back. You will still have access to identity theft recovery services, expense reimbursement insurance, Cell Phone coverage, and the primary account holder will still have an entitlement to the additional ID Theft detection services.

What if I don’t sign up for eStatements?

Your account will receive the $7 service charge at the end of the month and won’t earn the 2.00% APY, redeemed ATM fees or 10¢ cash back. You will still have access to identity theft recovery services, expense reimbursement insurance, Cell Phone coverage, and the primary account holder will still have an entitlement to the additional ID Theft detection services. The monthly paper statement fee is increasing $3 on November 1, so it is important to sign up for eStatements to take advantage of all the account benefits.

What if I don’t make 15 debit card transactions during the month?

Your account will receive the $7 service charge at the end of the month and won’t earn the 2.00% APY, redeemed ATM fees or 10¢ cash back. You will still have access to identity theft recovery services, expense reimbursement insurance, Cell Phone coverage, and the primary account holder will still have an entitlement to the additional ID Theft detection services.

What if I make more than 15 debit card transactions?

For every time you make a purchase of at least $5 with your ACU Visa debit card, you will receive 10¢. Ex: If you make 100 qualifying purchases, at the end of the month you will receive $10.

How do I get my ATM charges reimbursed?

For ATM transaction fee reimbursement: email atm@youracu.org, fax 253-964-3672, or visit any ACU branch with your ATM receipts at the end of each calendar month. If you are eligible, your account will be credited up to $10.00 on the following monthly statement cycle. Remember that ATM reimbursements are only available the month following the month that they occurred.

How does my account receive the fee, interest, and cash back?

On the last day of the month, your cash back and interest will be deposited into your account. After the deposit has been made, the $7 service charge will be withdrawn.

How do I find out more info?

Please call us at 253-964-3113 or email affinityplus@youracu.org to learn more. For security purposes, please do not include your account number in your email or subject line.

*APY=Annual Percentage Yield accurate as of 11/1/2018. Rates are subject to change. Limited to one Affinity Plus Checking account per primary account holder. Only consumer accounts in good standing are eligible. To qualify for cash back, ATM fee reimbursements, and 2.00% APY, you must have 15 debit card transactions of at least $5 post to and clear your account, you must log onto ACU Online or ACU Mobile App at least once per month, and you must be signed up for and receive e-statements. Qualifying accounts receive reimbursed ATM fees up to $10 per month. Balances over $25,000 do not earn dividends on the portion of the balance over $25,000. If qualifications are not met, all balances earn 0.00% APY. Qualifications do not have to be met to receive cell phone and identity theft coverage. Your wireless carrier may charge a data or text messaging fee. Please check with your provider. The Qualification Cycle is defined as the first calendar day of the month through the last calendar day of the month (example: March 1–March 31). The advertised Affinity Plus APY is based on compounding dividends. The qualification cycle is not the same as your monthly statement cycle. Transactions may take one or more banking days from the date the transaction was made to post to and settle in the account. ATM-processed withdrawals do not count as qualifying debit card transactions. Accounts that do not satisfy the requirements of the account will still receive the insurance products and will be eligible for benefits in the following month. Secondary checking accounts for members who have more than one checking account will be designated as Affinity Basic accounts, which do not offer the extra benefits of Affinity Plus.