Checking

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

• 2.00% APY* on amounts up to $25,000.00
• 10¢ back on debit card purchases of $5.00 or more
• Cell phone repair coverage
• Identity theft coverage
• Reimbursements on ATM surcharges (up to $10.00 per month)

*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. 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.

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 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 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

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