Checking

All ACU checking accounts give you the convenience of mobile and online banking, online bill pay, compatibility with Quicken and QuickBooks, and many other valuable features.

Affinity Plus Checking†*

$0 - $25,000

Dividend Rate
1.00%
APY
1.01%

$25,000+

Dividend Rate
0.00%
APY
0.00%

Affinity Premier Checking†*

$0.00 - $4,999.99

Dividend Rate
0.00%
APY
0.00%

$5,000.00 -$14,999.99

Dividend Rate
0.25%
APY
0.25%

$15,000.00 - $24,999.99

Dividend Rate
.70%
APY
.70%

$25,000.00 - $34,999.99

Dividend Rate
1.00%
APY
1.01%

$35,000.00

Dividend Rate
0.01%
APY
0.01%

Affinity Basic Checking‡‡*

$1,000.01 - $15,000

Dividend Rate
0.10%
APY
0.10%

$0 - $1,000

Dividend Rate
2.96%
APY
3.00%

$15,000.01+

Dividend Rate
0.25%
APY
0.25%

Consumer Account Disclosure: The terms applicable to your Deposit Accounts at ACU are provided in a separate Truth–in-Savings Disclosure. Fees may reduce earnings. See Fee Schedule. The Annual Percentage Yield on Share Certificates assumes dividends will remain on deposit until maturity. A withdrawal will reduce earnings. A penalty of up to 90 days of dividends may be imposed for early withdrawal on Share Certificates and Performance Saver Accounts and will affect earnings on the account. You must be an ACU member to qualify.

† Account receives identity theft coverage, cell phone repair coverage, 10 cents cash back for every debit card purchase over $5.00, and ATM fee reimbursement up to $10.00 per month. To earn dividends, receive ATM fee reimbursement, and 10 cents cash back, you must have eStatements, 15 POS transactions of at least $5.00 post and settle during the monthly statement period, and log into ACU Online or ACU Mobile App at least once per month.

†† The Index is the 2 year US Treasury Bill published on the 25th day of the month. The minimum dividend rate will never be less than the Performance Saver minimum dividend rate.

‡ Account is no longer available for certificates opened or renewed after 9/30/2017.

‡‡ To earn dividends you must have $15,000 in combined loans or deposits, direct deposit of at least $500 per month, eStatements, and 10 POS transactions post and settle during the monthly statement period.

* Rates may change after account opening.

Get the right account for your needs

Affinity Plus Checking

Affinity Plus has a monthly service fee of $7.00 and gives you:

To receive cash back on debit purchases, receive ATM surcharge reimbursements, and earn interest on your balance (up to $25,000), each month you must:

  1. Receive eStatements
  2. Make 15 debit card transactions of $5.00 or more
  3. Login to ACU Online or Mobile Banking

*APY=Annual Percentage Yield accurate as of 10/01/2020. Rates are subject to change. Limited to one Affinity Plus Checking account per primary account holder. Only consumer accounts in good standing are eligible. 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 insurance. 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. A separate fee may be charged by the institution that owns or operates the ATM. Identity theft expense reimbursement insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortegra family of companies. For questions about mobile claims please call Worth Ave Group at 877-210-7401.

Affinity Premier Checking

Affinity Premier checking is a tiered rate checking account with no monthly service charge. Affinity Premier Includes:

  • No monthly fee or minimum to maintain
  • Market rate dividends paid on balances $5,000 or greater with direct deposit.
  • Free box of checks annually
  • ID Theft protection

Affinity Basic Checking

Affinity Basic checking is designed for those with minimal activity in their account. Affinity Basic checking includes

  • Free mobile banking and mobile deposit
  • Free and unlimited use of ACU debit card
  • Free online banking and bill pay
  • Free and unlimited use of ACU ATMs
  • Use of nearly 30,000 surcharge-free ATMs nationwide

Opportunity Checking

Opportunity checking was created specifically for those who have been turned down for a checking account in the past due to unpaid fees, overdrawn accounts, or other issues. Opportunity Checking can help you re-establish financial health for a low monthly fee. Your options include:

  • Paying $8.95 per month when you set up direct deposit for your entire payroll, pension, or Social Security check ($500 per month minimum) to your checking account.
  • Or $10.95 per month without direct deposit to ACU.

Opportunity Banking features include:

  • No minimum balance requirement
  • Unlimited check writing
  • Free mobile banking and mobile deposit
  • Free and unlimited use of ACU debit card
  • Free online banking and bill pay
  • Free and unlimited use of ACU ATMs
  • Use of nearly 30,000 surcharge-free ATMs nationwide
  • Free eStatements
  • 10 free non-credit union-owned ATM withdrawals per month
  • Ability to switch to another ACU checking account after you have 12 consecutive months with less than 12 Non-Sufficient Funds (NSFs) notices

Teen Checking

Young adults between the ages of 13 and 17 can open a Teen Checking account when a qualified ACU member signs on as joint account holder. A Teen checking account includes:

  • No minimum balance requirement
  • Free mobile banking and mobile deposit
  • Free and unlimited use of ACU debit card
  • Free online banking and bill pay
  • Free and unlimited use of ACU ATMs
  • Use of nearly 30,000 surcharge-free ATMs nationwide
  • Free eStatements

Checking Account Benefits

  • ACU Online Services provide everything you need in a fast, easy, electronic format. Learn more.
  • Mobile Banking and Mobile Deposits allow you to access your accounts anytime from anywhere. Available to all ACU members who’ve signed up for online services. Learn more.
  • ACU Card App offers you greater control over your credit card.

Learn more about Online & Mobile Banking

Customize Your Debit Card

ACU offers great designs for instant-issue debit cards, but if you really want to get creative, order a personalized card online.

Prepaid Cards

ACU Visa Prepaid Debit Cards are perfect for managing your money, shopping online securely, or even teaching your teens about spending. Order your Prepaid Card online.

Open a Checking Account Today

ACU has branches conveniently located throughout Pierce and Thurston Counties. But our reach extends far beyond that. Through the CO-OP ATM and Shared Branching networks, we provide you with more than 30,000 ATMs and 5,300 branch locations nationwide where you can conduct your ACU transactions. Apply for membership today!

Custom Debit Cards

Personalize Your ACU Debit Card!

Load up your favorite photo and share the things you're most proud of every time you swipe your card!
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ACU Custom Cards