Checking Accounts

Associated Credit Union offers a selection of Checking Accounts so you can choose an account best suited for your individual needs.

Our routing Number is 261171338

*fees could reduce earnings on the account.

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 $1,500 daily spending limit for "credit" purchases.The spending limit for ATMs and debit purchases is $1,000. For "credit" purchases, overdraft protection is automatically available from an approved Line of Credit and your Share Account.

When you get ready to change your PIN on your ATM or your Visa Check Card, it's as easy as picking up the phone. Call 1.866.895.7622 and follow the prompts. If you need to report a lost or stolen debit card, please call 1.866.895.7622.
ACU's ATMs are also equipped with a prompt to change your PIN. So, at home or on the go, ACU means more convenience for our members.

Learn more about Check Cards now.
 

*beeGreen eStatement

Charges for printed checking statements are waived for members 18 and younger,65 and older, or those who maintain a $1,500 average daily checking balance.

ScoreCard Rewards

ScoreCard Rewards Points are earned when you use your Check Card for signature transactions. Select credit when using your Check 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 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.

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 Rewards.com 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. CU Succeed account holders are given an overdraft limit of $100. 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, check card withdrawal, or other electronic means.