Products
Checking Accounts
Associated Credit Union offers a selection of Checking Accounts so you can choose an account best suited for your individual needs.
| Features | Basic Learn More Open Account |
Advantage Learn More Open Account |
CU Succeed Learn More Open Account |
Prime Times Learn More Open Account |
| Best If You Want | A free checking account. No monthly service charge or per check charge. | An account which earns greater interest and has a special Benefits Package. | An account for students and young adults 16 to 24 with one free NSF a year. | An account with Special Benefits for members in full-time retirement who are at least 50 years old. |
|---|---|---|---|---|
| Balance To Open | $25 | $25 | $25 | $25 |
| Online & Mobile Banking | Free | Free | Free | Free |
| Online Check Images | Free | Free | Free | Free |
| Minimum Balance To Earn Interest | None | None | None | None |
| Interest Rate | .10% | .10% up to $2,499 .49% for $2,500 and up |
.10% | .10% |
| Annual Percentage Yield | .10% | .10% up to $2,499 .50% for $2,500 and up |
.10% | .10% |
| Monthly Service Charge | N/A | $5.95 (waived with balance of $2,500 and up) | N/A | N/A |
| Card Information | Visa Check Card with ScoreCard Rewards | Visa Check Card with ScoreCard Rewards | Visa Check Card with ScoreCard Rewards | Visa Check Card with ScoreCard Rewards |
| Compounding Method | Monthly | Monthly | Monthly | Monthly |
| Interest Frequency | Monthly | Monthly | Monthly | Monthly |
| ATM & POS Transactions |
|
|
Free | Free |
| Surcharge Free CO-OP ATM Network | Yes | Yes | Yes | Yes |
| Bill-Pay & beeGreen eStatements | Pay one bill monthly and it’s free. Otherwise $5 a month. Pay up to 30 bills a month free, then $.50 each. | Pay one bill monthly and it’s free. Otherwise $5 a month. Pay up to 30 bills a month free, then $.50 each. | Pay one bill monthly and it’s free. Otherwise $5 a month. Pay up to 30 bills a month free, then $.50 each. | Pay one bill monthly and it’s free. Otherwise $5 a month. Pay up to 30 bills a month free, then $.50 each. |
| Overdraft Protection | Yes | Yes | Yes | Yes |
| Deposits Insured By NCUA up to $250,000. | Yes | Yes | Yes | Yes |
Using Check Cards
When you choose "credit" and sign for your purchase, you are helping yourself, your credit union, and your fellow members because Visa transactions are more efficient and less costly to process than ATM transactions. Likewise, you earn ScoreCard Rewards Points when you select "credit"; one point for each $3 spent. Redeem ScoreCard Rewards Points for travel awards or brand name merchandise at scorecardrewards.com.
There is a $1,000 daily spending limit for "credit" purchases as well as ATM withdrawals and "debit" purchases. For "credit" purchases, overdraft protection is automatically available from an approved Line of Credit and your Share Account.
Learn more about Check Cards now.
ScoreCard Rewards
ScoreCard Rewards Points are earned when you use your Check Card for signature transactions. Select credit during transactions and earn one point for every $3 you spend. Redeem your points for travel awards or brand name merchandise at scorecardrewards.com.
Members using ACU's Platinum Visa Credit Card earn one point for each dollar spent. Points earned with your credit card can be combined with those earned from your check card.
For travel awards information call 1.800.842.3006.
For merchandise information call 1.800.854.0790.
ATM, PIN-based, and POS transactions are not eligible to earn reward points.
Overdraft Protection
When you have a Checking Account with ACU, we check three times for overdraft protection. First, we look for an approved Line of Credit Loan Account. If that is not available, or is maxed out, we will check if your Share Account has sufficient funds to cover the overdraft. If sufficient funds are available we will automatically transfer them for you.
If funds are not available, Member Overdraft Protection goes into effect.
With Member Overdraft Protection, members who have demonstrated responsible checking account management are given an overdraft limit of $750. From the overdraft limit is deducted the amount of the overdraft plus a $30 Non-Sufficient Funds (NSF) fee for each overdraft transaction. Repay the amount of the overdraft within 30 days and your account remains in good standing. Member Overdraft Privilege is not a feature of CU Succeed Checking.
