Associated Checking

The Louise Herring Philosphy In Action Member Service Award logo.

At Associated Credit Union, our members are our top priority. We believe that we are only as healthy as the communities that we serve, so we are constantly striving to find ways to increase the quality of services that we offer our membership. We want you, our valued member, to be able to afford life, and we feel like that’s exactly what our Associated Checking Account leads you to do.

By offering a checking account with added value services, we are able to help our membership save money in many areas of life, including cell phone insurance, entertainment, and credit monitoring. We have implemented a Pay-to-Save philosophy, because although Associated Checking costs $4.95/month, our members who utilize this checking account have saved thousands of dollars.

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Get More With Associated Checking

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Know Your Credit Score

Request a free, updated credit report every 90 days. Each new report includes an updated single bureau credit score.

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ID Protect

Identity Fraud Expense Reimbursement Coverage6, Debit Card & Credit Card Registration, Comprehensive Identity Theft Resolution Services, Total Identity Monitoring5, ID Theft Resolution Services, 3-Bureau Credit File Monitoring5, Access To Credit Report & Credit Score5.

Learn more about ID Protect.

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Cell Phone Protection

Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad5. Your cell phone bill must be paid using your Associated Checking account to receive cell phone protection.


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Visa Debit Card

A Visa Debit Card is perfect for everyday purchases and transactions.

It also gives you nationwide access to CO-OP ATM and Shared Branch Network, the ability to earn Points & Rewards, and the peace of mind of Member Overdraft Privilege.

Learn more about Visa Debit Cards.


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Waived Fees

Enjoy waived ACU ATM transaction fees3 and waived ACU Point-Of-Sale (POS) Debit Card Transaction Fees3.

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Online Services

Manage your money on your time with Online Banking, Mobile App, eStatements, Bill Pay4, and more.

Learn more about Online Services.

Feature Associated Checking Account Info
Balance To Open $25
Interest Rate / Annual Percentage Yield (APY) 2 .15% (.15% APY) for balances of $2,500 and more
.10% (.10% APY) for balances up to $2,499
Monthly Service Charge $4.95
Mailed Statement Fee1 $2.951
Interest Compounding Method / Interest Frequency Monthly


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Travel & Leisure Discount Membership

Money-saving discounts from thousands of local and national businesses, including $5.99 movie tickets. Members can redeem and print coupons online or access discounts from their mobile device. Digital Access makes saving super easy and convenient, giving instant savings anywhere, and anytime.

You must register online with eClub and enroll in the Travel & Leisure Discount Membership program in order to receive this benefit.

Buyer's Protection & Extended Warranty5

Debit AdvantageTM - Buyer's Protection & Extended Warranty Buyer's Protection covers items for ninety days from the date of purchase against accidental breakage, fire, loss, or theft.

Extended Warranty extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than five years.

See Guide to Benefit for more information.

How To Register & Activate Your Associated Checking Benefits With eClub

eClub logo. Your Savings Start Here.
  • 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

Simple Checking

  • No monthly service charge.
  • Open with $25 initial deposit.
  • $2.95 Mailed Statement Fee.¹
  • Balances up to $2,499 do not earn interest.
  • Balances of $2,500 and more earn interest at .10% APY.²
  • Monthly Interest Compounding Method.
  • Monthly Interest Frequency Method.
  • Visa Debit Card.
  • ACU ATM Transaction Fee.³
    • Free ACU ATM transactions.
    • Four free combined monthly non-ACU ATM or POS transactions.
    • $0.75 for each additional non-ACU ATM transaction.
    • No charge with $1,500 balance.
  • ACU Point-Of-Sale (POS) Debit Card Transaction Fee.³
    • Four free combined monthly non-ACU ATM or POS transactions.
    • $0.25 for each additional POS transaction.
    • No charge with $1,500 balance.
  • CO-OP ATM Network.
    • Surcharge-free Debit Card access to nearly 30,000 ATMs nationwide.
  • CO-OP Shared Branch Network.
  • Member Overdraft Protection of $100.
  • Cash-Back Purchase Rewards.

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Lend-A-Hand Checking

Our Lend-A-Hand Checking Account is designed to help members get back on the right track to successful Checking Account management. Features include:

  • $9.95 Monthly Service Charge.
  • Open with $25 initial deposit.
  • $2.95 Mailed Statement Fee.¹
  • Direct Deposit is required.
  • Visa Debit Card and joint account holder allowed.

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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.
  6. Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
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