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Flexible Checking Account

  • Just $25 to open.
  • No minimum balance required.
  • Free access to over 2,000 surcharge free ATMs.
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Not a member yet? Confirm your eligibility for membership here before applying.

*Rate/Yield on the above accounts is subject to change daily. Minimum of $25 to open. Questions? Call 1-800-543-2811.

Checking Account Rates
Account Type Dividend Rate* Annual Percentage Yield (APY)** Dividends Paid on Amounts
TEXT
Kasasa® Cash**
TEXT
4.65%
TEXT
4.75%
TEXT
$0-$25,000
TEXT
Kasasa® Cash**
TEXT
2.472%
TEXT
2.50%
TEXT
$0 -$25,000
TEXT
Kasasa® Cash**
TEXT
0.25%
TEXT
0.25%
TEXT
Over $25,000
TEXT
Kasasa® Cash**
TEXT
0.01%
TEXT
0.01%
TEXT
All Balances if qualifications not met.
TEXT
Kasasa® Cash Back
TEXT
None
TEXT
None
TEXT
N/A
TEXT
Flexible Checking
TEXT
None
TEXT
None
TEXT
N/A
Effective November 1, 2022
Account Type

Kasasa® Cash**

Dividend Rate*

4.65%

Annual Percentage Yield (APY)**

4.75%

Dividends Paid on Amounts

$0-$25,000

Account Type

Kasasa® Cash**

Dividend Rate*

2.472%

Annual Percentage Yield (APY)**

2.50%

Dividends Paid on Amounts

$0 -$25,000

Account Type

Kasasa® Cash**

Dividend Rate*

0.25%

Annual Percentage Yield (APY)**

0.25%

Dividends Paid on Amounts

Over $25,000

Account Type

Kasasa® Cash**

Dividend Rate*

0.01%

Annual Percentage Yield (APY)**

0.01%

Dividends Paid on Amounts

All Balances if qualifications not met.

Account Type

Kasasa® Cash Back

Dividend Rate*

None

Annual Percentage Yield (APY)**

None

Dividends Paid on Amounts

N/A

Account Type

Flexible Checking

Dividend Rate*

None

Annual Percentage Yield (APY)**

None

Dividends Paid on Amounts

N/A

Effective November 1, 2022

The best second chance checking account around.

Need a fresh start? The America’s Credit Union Flexible Checking Account is the best second chance bank account you’ve been looking for.

If you have struggled to manage your checking account in the past, don't lose hope. Our Flexible Checking Account is your second chance that can help you get back on track!

Flexible Checking Account Features:

  • Just $25 to open.
  • $10 monthly service fee with direct deposit ($15 without direct deposit).
  • No minimum balance required.
  • Unlimited check writing.
  • Free Online and Mobile Banking. (will link to new page)
  • Free access to over 2,000 surcharge free ATMs.
  • Available for members age 18+ 
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America's Credit Union Card Alerts

ACU Card Alerts powered by Visa can keep tabs on your ACU Visa activity, with near real-time alerts that can help reduce fraud and provide you more protection and peace of mind. Learn more and sign up for this free service.

Verified by Visa

Visa has developed a program that helps confirm your identity when you make online purchases.  It makes shopping online more secure by protecting against unauthorized use of your Visa card.  Learn more about this service

Review ACU's Truth-In-Savings Disclosure.

Great Products
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We offer a full suite of products, services and financial tools to help you reach your financial goals.

Unparalleled Service
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ACU is committed to improving the financial well-being of its members.

Lower Fees
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All profits are returned to the members in the form of lower loan rates, higher savings rates, personalized service and convenient tools.

Budgeting Your Checking Account

It’s essential that you have good budgeting habits to keep your Checking Account in balance. Whether you’re budgeting and saving for a one-time event like a wedding, saving for a major life change like having a baby, or getting better at managing daily spending and saving in general, this eBook will help!

Full of budget templates and tips about creating a budget and tricks for sticking to it, this guide is essential for your money management success. With some organization and a good plan, you’ll be adding deposits to your Savings Account regularly.

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Claim your FREE Copy Today!

The Easiest Way to Add to Your Savings Account

If you’re not familiar with the 52 Week Savings Challenge it’s a relatively easy way to add to your Savings Account over the course of a year.

On the first week put $1 in your Savings Account and leave it there for the whole year. On the second week put $2 in your Savings Account. Continue this pattern so on the 52nd week you’re depositing $52 into your Savings Account. At the end of the year, you will have saved $1,378 plus interest! For other variations of this savings plan check out our blog post Three Ways to Make the 52 Week Savings Challenge Work for You.

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*APY = Annual Percentage Yield.