Checking Accounts
Our checking accounts are crafted to meet the unique financial needs of your on-the-go lifestyle, providing you with the features and flexibility you deserve.
Get Checking at AHCU!
As a not-for-profit financial institution, you'll find fewer fees and more opportunities to earn interest on your money when you open a checking account with us.
With our shared branching network, there's always a branch or surcharge-free ATM near you. And when you set up direct deposit, you can receive your funds up to two days early.
Which Checking Account Best Fits Your Lifestyle?
Cash Back Checking
FREE CHECKING THAT GIVES YOU CASH BACK ON PURCHASES
This is our most popular checking account. Earn 0.50% cash back on all purchases, up to $10 cash-back rewards each month.
To earn your full rewards, simply complete the following transactions and activities each month:
- Have at least 12 debit card purchases post and settle. Purchases must be at least $5.
- Minimum $1,000 direct deposits monthly.
- Maximum payout will be $10 per month; each transaction will earn 0.50%
- Be enrolled in and agree to receive eStatement notice.
- Be enrolled in online banking.
Dividend Checking
FREE CHECKING THAT PAYS DIVIDENDS
This is an interest-earning checking account. Earn up to 5%* APY on balances of $5,000 or below, and 0.10%* APY on balances over $5,000.
To qualify for dividend earnings, simply complete the following transactions and activities each month:
- Have at least 12 debit card purchases post and settle. Purchases must be at least $5.
- Have at least $1,000 in Direct Deposits
- Be enrolled in and agree to receive eStatement notice.
- Be enrolled in online banking.
EZ Checking
OUR STANDARD NO-FRILLS FREE CHECKING
While the other checking accounts require a certain amount of activity to trigger their earnings, this is our basic starter checking plan.
Note that EZ Checking account holders must use the Debit Card, Online Banking, and eStatements services with this account or else they will be charged a $4.95 monthly service fee.
All AHCU Checking Accounts Include...
Open any checking account at AHCU and you'll receive:
- EARLIER Direct Deposit - Get your direct deposit up to TWO Days Earlier
- No minimum balance requirement
- No monthly service fee*
- Free online banking & bill pay
- Free mobile banking with mobile deposit
- Free eStatements
- Free Visa® debit card that can be managed with free AHCU Card Manager App**
- Free use of Zelle®
- Free 24/7 telephone banking
- Unlimited check writing
- One Non-Sufficient Funds (NSF) fee waived each calendar year (must contact us to request)
* Exceptions: After 12 months of no Debit card activity; you will receive a $1 per month fee thereafter for each month with no Debit card activity. A fee will not be charged to members under the age of 18. Also note that EZ Checking account holders must use the Debit Card, Online Banking, and eStatements services or else they will be charged a $4.95 monthly service fee.
** EZ Checking account holders must purchase at least one item per year using this card to avoid a $10.00 annual debit card fee.
*If you are a current member, you can simply log into online banking, click (+) add account and then choose the type of checking account you want. No forms or surveys required!
Switching to Better Banking Has Never Been Easier for You
Switching to better banking with AHCU is simple and hassle-free. Just open your new account, transfer your direct deposits and automatic withdrawals, and close your old account. Enjoy better service, lower fees, and personalized financial solutions—start your switch today!
Compare Our Accounts
| Most Popular | |||
| Account Type |
DIVIDEND CHECKING |
CASH BACK CHECKING |
EZ CHECKING |
| Monthly Rewards |
*APY is Annual Percentage Yield |
|
None |
| Monthly Maintenance Fee | None | None | Must have a debit card and enroll in electronic statements to avoid a $4.95 monthly fee. |
| Minimum Balance Fee | None | None | None |
| Free Online & Mobile Banking Access? | Yes | Yes | Yes. |
| Free Contactless Debit Card? | Yes | Yes | Yes. Requires one purchase per year to avoid a $10.00 annual debit card fee. |
| Can Turn Off Debit Card from AHCU Card APP | Yes | Yes | Yes. |
| Able to use Zelle® with Account | Yes | Yes | Yes. |
| Early Direct Deposit Pay Day | Yes | Yes | Yes. |
| Minimum Opening Deposit | $100 | $100 | $100 |
| Disclosure | Dividend Checking Truth-in-Savings Disclosure | Cash Back Checking Truth-in-Savings Disclosure | N/A |
Compare Our Accounts
|
DIVIDEND CHECKING |
|
Monthly Rewards
*APY is Annual Percentage Yield |
| Monthly Maintenance Fee NONE |
| Minimum Balance Fee NONE |
| Free Online & Mobile Banking Access? Yes |
| Free Contactless Debit Card? Yes |
| Can Turn Off Debit Card from AHCU Card App Yes |
| Able to use Zelle® with Account Yes |
| Early Direct Deposit Pay Day Yes |
| Minimum Opening Deposit $100 |
| Disclosure Dividend Checking Truth-in-Savings Disclosure |
| Most Popular |
|
CASH BACK CHECKING |
|
Monthly Rewards
|
| Monthly Maintenance Fee NONE |
| Minimum Balance Fee NONE |
| Free Online & Mobile Banking Access? Yes |
| Free Contactless Debit Card? Yes |
| Can Turn Off Debit Card from AHCU Card App Yes |
| Able to use Zelle® with Account Yes |
| Early Direct Deposit Pay Day Yes |
| Minimum Opening Deposit $100 |
| Disclosure Cash Back Checking Truth-in-Savings Disclosure |
|
EZ CHECKING |
| Monthly Rewards None |
| Monthly Maintenance Fee Must have a debit card and enroll in electronic statements to avoid a $4.95 monthly fee. |
| Minimum Balance Fee NONE |
| Free Online & Mobile Banking Access? Yes |
| Free Contactless Debit Card? Yes. Requires one purchase per year to avoid a $10.00 annual debit card fee. |
| Can Turn Off Debit Card from AHCU Card App Yes |
| Able to use Zelle® with Account Yes |
| Early Direct Deposit Pay Day Yes |
| Minimum Opening Deposit $25 |
*250 Bonus Offer Terms and Conditions
- Membership required. Minimum $10 deposit is required into a savings account at account opening and $25 minimum deposit is required to open any AHCU checking account.
- $150 bonus valid to persons with no prior checking relationship with AHCU in the past 12 months.
- Within 60 days of account opening, your new checking account must have at least $500 in Direct Deposits and 20 debit card purchases.
- Within 60 days of account opening, you must enroll your new checking account in eStatements and online banking.
- $150 new checking account bonus will be paid by the 10th day of the month after having successfully Direct Deposited at least $500.
- $100 additional bonus is available if you open a new CD or Money Market account with a minimum of $5,000 new money.
- Account holder responsible for any applicable taxes.
- Subject to termination at any time. Other conditions and restrictions may apply.
Earn up to $250 When You Open a New Checking Account*
If you're new to AHCU checking and you open an account, we will put an extra $150 in your account to thank you for checking with us.
Then, open a new Certificate of Deposit or Money Market account within 60 days to earn an additional $100.
Mention Promo Code: WEBCHK to receive your $150 and your additional $100 when you meet the Bonus Offer Terms and Conditions.
EARLIER DIRECT DEPOSIT
Access your money up to two (2) days earlier when you Direct Deposit into your AHCU checking or savings account.
Earlier Direct Deposit is a free service that AHCU provides to its members; giving members access to their pay up to two days early. There’s no enrolling or activating. All you need to do is set up a direct deposit to your AHCU Checking or Savings account. If we receive your direct deposit information from your employer early, we will deposit your pay into your account—up to two days early.
When setting up your Direct Deposit through your payroll processor, you'll need:
- AHCU's Bank Transit Routing Number: 296076385
- Your AHCU Account number
- Which account you would like it deposited into (Savings or Checking)
Reorder Checks
Order checks fast with just a few clicks through our trusted vendor, Checks for Less.
You can even customize your checks or add a checkbook cover to express yourself. All you need is your checking account number and the next check start number.
