Checking Accounts

Our routing Number is 261171338

Features Basic
Open Account
Best If You Want A basic checking account that earns interest.
Balance To Open $25
Interest Rate1 .10%
Annual Percentage Yield¹ .10%
Monthly Service Charge N/A
Minimum Balance To Earn Interest None
Compounding Method Monthly
Interest Frequency Monthly
Card Information Visa® Debit Card with ScoreCard, ScoreMore & Cash-Back Purchase Rewards
ATM & POS Transactions
  • ACU ATMs are free
  • Four free non-ACU ATMs or POS monthly, then $.75 each for ATMs and $.25 each for POS
  • No charge with $1,500 balance
CO-OP ATM Network (Surcharge Free) Yes
CO-OP Shared Branch Network Yes

Online & Mobile Banking

Bill-Pay Pay one bill monthly and it's free. Otherwise $5 a month. Pay up to 30 bills a month free, then $.50 each.
Online Check Images Free
eStatements eStatements are free electronic versions of your mailed statements.
Free Checks No
Overdraft Protection Yes
Deposits Insured By NCUA up to $250,000. Yes

View the complete list of Service Charges.

1 Fees could reduce earnings on the account.

Visa® Debit Cards

Visa® Debit Cards are a convenient and secure way to access your money at ATMs and make payments anytime, anywhere. There is no monthly fee and you can earn rewards.

Debit & Credit Purchases: Which To Choose?

You can make debit and credit purchases with your Visa Debit Card. Both ways use funds from the Checking Account associated with the Debit Card.

Debit purchases require a PIN to authorize and credit purchases require a signature to authorize. In some credit instances, such as paying for gas at the pump, you will be required to enter your ZIP code to authorize.

Debit and credit purchases have different daily spending limits. The daily spending limit for ATM and debit purchases is $1,000. The daily spending limit for credit purchases is $1,500.

PIN (Personal Identitfication Number)
Your PIN is your Personal Identification Number you use to authorize debit purchases made using your Visa Debit Card. You can change your PIN at anytime. Call 1.866.895.7622 to change it over the phone. You can also change your PIN at any of Associated Credit Union's ATMs.

Lost Or Stolen Visa Debit Cards
Please call 1.866.895.7622 to report a lost or stolen Visa Debit Card.

Debit Card Instant Issue Locations

Do you need a new Visa Debit Card? The following branches can issue new Visa Debit Cards on-the-spot:

  • Buford • 867 Buford Drive, Lawrenceville, GA 30043 • 678.442.0598
  • Carrollton • 1219 North Park Street, Carrollton, GA 30117 • 770.830.6355
  • Decatur • 1 W. Court Square, Suite 150, Decatur, GA 30030 • 404.377.8387
  • Dobbins • 501 Perrin Road, Building 105, Marietta, GA 30060 • 770.422.4469
  • Ellenwood • 5032 Old Grant Road, Ellenwood, GA 30294 • 404.362.5770
  • Lawrenceville • 395 Grayson Highway, Lawrenceville, GA 30046 • 770.963.5272
  • Main Office (Norcross) • 6251 Crooked Creek Road, Norcross, GA 30092 • 770.448.8200
  • Norcross • 1470 Beaver Ruin Road, Norcross, GA 30093 • 770.925.9261
  • North Druid Hills • 2250 North Druid Hills Road, Suite 144, Atlanta, GA 30329 • 404.321.4100
  • Peachtree Industrial • 4895 Peachtree Industrial Blvd, Norcross, GA 30092 • 770.448.6710
  • Wheeler Road • 3749 Wheeler Road, Augusta, GA 30909 • 706.868.2200

Branches outside of this list are unable to distribute new Visa Debit Cards. If you can't make it to one of the branches listed above, you can request your new Visa Debit Card to be sent to you by mail. Simply call our eServices Department at 770.448.8200, Ext. 2401 or log in to Online Banking > Additional Services > Secure Forms to fill out an application.¹

1 If you do not have a valid signature card currently on file with Associated Credit Union, you will need to fill out an application.

Rewards & Points

ScoreCard Rewards
ScoreCard Rewards Points are earned when you use your Debit Card for credit purchases. Select credit when using your Debit Card to make signature-based transactions and earn one point for every $3 you spend. Redeem your points for travel awards or brand name merchandise at 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 Debit Card.

ScoreMore Rewards
ScoreMore is a new feature of ScoreCard Rewards that allows you to earn additional Bonus Points at participating retailers online and in-store. Simply go to ScoreCard and click on the ScoreMore link. For travel awards information call 1.800.842.3006. For merchandise information call 1.800.854.0790.

Cash-Back Purchase Rewards
A way to get cash-back from your shopping. Go to the the Homepage of Online Banking and click on Purchase Rewards, All the offers are on one page where you can load the ones you want on your debit card with just a click. Use your debit card at that participating merchant and you will see the cash in your checking account the next month.

Overdraft Privilege

When you have a Checking Account with ACU, we check four 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 or Money Market Account has sufficient funds to cover the overdraft. If sufficient funds are available we will automatically transfer them for you. There is a $4 service charge for each transfer.

If funds are not available, Member Overdraft Privilege goes into effect.

With Member Overdraft Privilege, members are initially provided $100 overdraft limit when a Checking Account is opened. Those members who have demonstrated responsible checking account management are later 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.

* Fee applies when overdraft is created by check, ACH debit, ATM withdrawal, Debit Card withdrawal, or other electronic means.


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