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Checking w/Debit Card

ACFCU’s checking accounts will simplify your financial life. We give you full-service account access from any device so you have control of your money whenever you want, wherever you are.

Account Features

  • No minimum balance
  • No per check charge
  • Courtesy Pay protection options
  • Instant issue Visa® Debit Card
  • uChoose Rewards participants earn 1 point for every two dollars spent when using their cards with the credit option
  • Nationwide network of more than 55,000 free ATMs
  • myACFCU online and mobile banking with Bill Pay
  • Touch Tone Teller (Access your account 24 hours a day)
  • First order of checks is free (members over 50 years of age always receive free checks)
  • Monthly eStatements
  • Dividends paid monthly on balances of $2,500.01 or more
  • Direct deposit

Open an Account Today    Savings Calculator

Checking Account Comparison
Account Types Premier
Fresh Start Checking
Monthly Service Fee Free Free $10.00
Minimum Opening Balance $20.00 $20.00 $50.00
Courtesy Pay Option Yes Yes No
Dividends Paid monthly on balances of $2,500.01 or more Paid monthly based on qualifying criteria* No

*Certain terms & restrictions apply. The minimum balance required to open this account is $20.00. In order to obtain the disclosed APY, you must: (i) maintain an average daily balance of at least $10,000.00 each dividend period; and (ii) have at least fifteen (15) withdrawals or deposits each dividend period that post and clear your account as evidenced by your monthly statement. If qualifications are not met each dividend period, you will receive the disclosed dividend rate of a Premier Checking account.

ATM Deposits

ACFCU’s ATM deposit options let you deposit a check and cash 24-7 at any of our branch locations.

ATM Deposit Locations

View Fee Schedule

Earn Points

Earn points redeemable for concert tickets, a new HDTV, cash back and many other exciting options!

Visit uChoose Rewards

How It Works

  1. SHOP with your ACFCU Visa® debit card
  2. EARN 1 point for every two dollars spent (1 point for every dollar when you use your ACFCU Visa® Platinum Choice Credit Card)
  3. REWARD yourself with gifts, prizes and cash back from their online store


CardValet® is a mobile app that allows our members to decide when, where and how their cards are used.

Features of CardValet:

  • Security Turn your cards off in an instant
  • Control Control transactions by category or by dollar amounts
  • Flexibility Easily set, customize and modify purchase alerts
  • Card Controls Establish spending limits and only allow transactions up to a certain dollar amount 
  • Merchant Alerts & Controls Monitor or control transactions for specific purchases or categories 
  • On/Off-Setting Cardholders can disable a lost or stolen card

Download the free app today through the Apple App Store or Google Play.

   Download on the App Store