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Apply online to open a savings account.

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Get help repaying big purchases.

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Faster direct deposits to your account.

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Earn cash every time you refer a new member to AHCU.

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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 1% of cash back on all purchases, up to $12 cash-back rewards each month.

To earn your full rewards, simply complete the following transactions and activities each month:

  • Have at least 20 debit card purchases post and settle.  Purchases must be at least $5.
  • Be enrolled in and agree to receive eStatement notice.
  • Be enrolled in online banking.
  • Minimum $500 direct deposits monthly.

Dividend Checking

FREE CHECKING THAT PAYS DIVIDENDS
This is an interest-earning checking account. Earn up to 2%* APY on balances of $15,000 or below, and 0.10%* APY on balances over $15,000.

To qualify for dividend earnings, simply complete the following transactions and activities each month:

  • Have at least 20 debit card purchases post and settle. Purchases must be at least $5.
  • Be enrolled in and agree to receive eStatement notice.
  • Be enrolled in online banking.
  • Have at least $500 in Direct Deposits.

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!

blog - making sense of your budget

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:  WEB250 to receive your $150 and your additional $100 when you meet the Bonus Offer Terms and Conditions.

Compare Our Accounts

  Most Popular  
Account Type

DIVIDEND CHECKING

Open an Account

CASH BACK CHECKING

Open an Account

EZ CHECKING

Open an Account

Monthly Rewards
  • 2.00% APY* on balances up to $15,000
  • 2.00% to 0.27% APY* on balances over $15,000 depending on balance in account*
  • 0.01% APY* if qualifications aren't met

*APY is Annual Percentage Yield

  • Tiered Cash Back
  • 0 - 19 Debit Card purchases - No Cash Back
  • 20 and more Debit Card purchases, earn 1% on the first $1,200 you spend during the month
  • Up to $144 cash back per year, $12 per month
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 $25 $25 $25
Disclosure Dividend Checking Truth-in-Savings Disclosure Cash Back Checking Truth-in-Savings Disclosure N/A

Compare Our Accounts

DIVIDEND CHECKING

Open an Account

Monthly Rewards

  • 2.00% APY* on balances up to $15,000
  • 2.00% to 0.27% APY* on balances over $15,000 depending on balance in account*
  • 0.01% APY* if qualifications aren't met

*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
$25
Disclosure
Dividend Checking Truth-in-Savings Disclosure
Most Popular

CASH BACK CHECKING

Open an Account

Monthly Rewards

  • Tiered Cash Back
  • 0 - 19 Debit Card purchase - No Cash Back
  • 20 and more Debit Card purchases, earn 1% on the first $1,200 you spend during the mont
  • Up to $144 cash back per year, $12 per month
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
$25
Disclosure
Cash Back Checking Truth-in-Savings Disclosure

EZ CHECKING

Open an Account

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

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)
faster money with early direct deposit

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.

If this is your first check order, you have questions about online reorders, or you want to change something on your checks, give us a call at (651) 383-4000.

We Take Care of You

Been a regular there now over 10 years. They will always meet you half way.

— C. Kuyon

Friendly people that know you have been with them a long time and treat you like family.

— DL Smith

Friendly environment. Great services and rates.

— B. Robeck