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Flexible Checking Account

The best second chance checking account around.

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NON-MEMBERS: Apply Here

Need a fresh start? The America’s Credit Union Flexible Checking Account is the checking 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 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+ 
Woman drinking coffee and looking at her checking account on her phone.

ACU 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.

Checking Account Rates

Account Type Dividend Rate* Annual Percentage Yield (APY)* Dividends Paid on Amounts
TEXT
Kasasa® Cash**
TEXT
1.73%
TEXT
1.75%
TEXT
$0-$25,000
TEXT
Kasasa® Cash**
TEXT
0.25%
TEXT
0.55%-1.75%
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 May 1, 2021
Account Type

Kasasa® Cash**

Dividend Rate*

1.73%

Annual Percentage Yield (APY)*

1.75%

Dividends Paid on Amounts

$0-$25,000

Account Type

Kasasa® Cash**

Dividend Rate*

0.25%

Annual Percentage Yield (APY)*

0.55%-1.75%

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 May 1, 2021

*Rate/Yield on the above accounts is subject to change daily. Questions? Call 1-800-543-2811. **Annual Percentage Yields (APY) are based upon daily balance. Qualification Requirements: Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle, have at least 15 debit card transactions with a minimum of $5 purcahse or more per transaction, enrolled in and agree to receive eStatements, log in to online banking or mobile banking one time per month. If requirements are not met, your account is still free and you'll earn our base rate.

Checking Account Resources

Budgeting Your Checking Account

Budget ebook cover and spineIt’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.

Claim Your Copy Here:

Happy woman saving money in a piggybank

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.

 

Open an ACU Checking Account Today!

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NON-MEMBERS: Apply Here

*APY = Annual Percentage Yield.