Checking Accounts

ACU's Routing Number is 261171338

Features Associated Checking
Open Account
Simple Checking
Open Account
Best If You Want A checking account that offers value added benefits. A checking account with no monthly service charge.
Balance To Open $25 $25
Monthly Service Charge $4.95 N/A
Mailed Statement Fee1 $2.951 $2.951
Earns Interest Yes Yes
Interest Rate2 0.10% (Balances up to $2,499) None (Balances up to $2,499)
0.15% (Balances $2,500+) 0.10% (Balances $2,500+)
Annual Percentage Yield2 0.10% (Balances up to $2,499) None (Balances up to $2,499)
0.15% (Balances $2,500+) 0.10% (Balances $2,500+)
Interest Compounding Method Monthly Monthly
Interest Frequency Monthly Monthly
Visa® Debit Card Yes Yes
ACU ATM Transaction Fee3 Waived
  • Free ACU ATM transactions
  • Four free combined monthly non-ACU ATM or POS transactions
  • $.75 for each additional non-ACU ATM transaction
  • No charge with $1,500 balance
ACU Point-Of-Sale (POS) Debit Card Transaction Fee3 Waived
  • Four free combined monthly non-ACU ATM or POS transactions
  • $.25 for each additional POS transaction
  • No charge with $1,500 balance
CO-OP ATM Network Yes — Surcharge-free Debit Card access to nearly 30,000 ATMs nationwide. Yes — Surcharge-free Debit Card access to nearly 30,000 ATMs nationwide.
CO-OP Shared Branch Network Yes Yes
Online Banking Yes Yes
Mobile Banking Yes Yes
Bill-Pay4 Yes Yes
eStatements Yes Yes
Unlimited Check Writing Yes Yes
Online Check Images Yes Yes
Total Identity Monitoring5 Yes No
ID Theft Resolution Services Yes No
3-Bureau Credit File Monitoring5 Yes No
Access to Credit Report & Credit Score5 Yes No
Cellular Telephone Protection5 Yes No
Member Overdraft Protection
Learn More
$750 $100
Buyers Protection & Extended Warranty5 Yes No
Travel & Leisure Discounts5 Yes No
ScoreCard Reward Points Yes No
ScoreMore Rewards Yes No
Cash-Back Purchase Rewards Yes Yes
Deposits Insured By NCUA up to $250,000. Yes Yes

View the complete list of Service Charges.

Insurance products are not a deposit; not NCUA insured; not an obligation of credit union; and not guaranteed by credit union or any affiliated entity.

  1. Mailed Statement Fee is waived for eStatement users and for Checking Account members that are 18 or younger and 70 or older.
  2. Fees could reduce earnings on the account.
  3. See Service Charges Information for more information.
  4. Pay one bill monthly for free Bill-Pay. After your first three months, a $5 charge applies each month if Bill-Pay is not used. May pay 30 items monthly at no charge. Subsequent items are $.50 each.
  5. Registration and activation required. Call 770.448.8200 (Member Services Option 3) to gain your activation code to activate your benefits with eClub.

How To Register & Activate Your Associated Checking Benefits With eClub

  • Call 770.448.8200 (Member Services Option 3) to gain your activation code
  • Go to and follow the step-by-step instructions to register and activate benefits, or
  • Call 1.866.210.0361


Visa® Debit Cards

Visa® Debit Cards are a convenient and secure way to access your money at ATMs and make payments anytime, anywhere.

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. Credit purchases require a signature or 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.

When choosing to process your Visa Debit Card purchase as either a debit or a credit purchase, choose credit. Associated Checking Debit Cards earn one ScoreCard Reward point for every $3 spent when processed as a credit purchase.

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
  • Dawsonville • 4200 Dawson Forest Road, Dawsonville, GA 30534 • 706.525.6036
  • 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 134, Atlanta, GA 30329 • 404.321.4100
  • Oakwood • 4236 McEver Road, Oakwood, GA 30566 • 770.503.7472
  • 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. 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 Associated Checking Debit Card for credit purchases. Select credit when using your Associated Checking 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 Associated Checking Debit Card.

ScoreMore Rewards
ScoreMore is a feature of ScoreCard Rewards for your Associated Checking Debit Card that allows you to earn additional Bonus Points at participating retailers online and in-store. Simply go to 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
Get cash-back from your shopping with your Associated Checking or Simple Checking Debit Card. Click on Purchase Rewards on the Online Banking home page to get started. 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 the cash-back will automatically be deposited in your Checking Account the next month.


Member 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 a $100 overdraft limit when a Checking Account is opened. After 45 days, the Member Overdraft Privilege limit is raised to $750 for members with Associated Checking who demonstrate responsible Checking Account management. Simple Checking's Member Overdraft Privilege limit will remain at $100. From the Member Overdraft Privilege limit is deducted the amount of the overdraft plus a $30 Non-Sufficient Funds (NSF) fee for each overdraft transaction. Fee applies when overdraft is created by check, ACH debit, ATM withdrawal, Debit Card withdrawal, or other electronic means. Repay the amount of the overdraft within 30 days and your account remains in good standing.

Site Map  |  Privacy  |  Disclosures  |  Security  |  Help