Person using a VISA card in a card reader.

Ultimate Checking Account

The Best in Free Checking

The America’s Credit Union free Ultimate Checking Account is the checking account you’ve been looking for. With no monthly service charges, no minimum balance and no ‘per check’ charges, it’s the most affordable way to manage your spending.

Access your Ultimate Checking Account with ACU’s free Online Banking, Mobile Banking, or any ATM in our surcharge free ATM network. Every Ultimate Checking Account comes with a free Debit Card, upon request, to access your cash and make point-of-sale purchases.

Checking Account Features:

No monthly service charges.
No minimum balance.
No ‘per check’ charges.
Overdraft protection.
Courtesy pay.
Direct deposit.
Remote deposit.
Free debit card with access to over 90,000 surcharge-free ATMs.

Woman drinking coffee and looking at her checking account on her phone.

Overdraft Protection and Courtesy Pay

Overdraft Protection: An overdraft occurs when you do not have enough money in your Checking Account to cover your purchase, written check, bill payment, or withdrawal. To protect yourself from “bouncing checks” and missing important payments, you can opt-in to the ACU Overdraft Protection plan. With Overdraft Protection, you link an ACU Savings Account, ACU Home Equity, or your ACU VISA® Credit Card that can be utilized to cover the amount needed in your Checking Account in the event of an overdraft. A small fee is incurred for this service from a Savings Account. Please see our fee schedule for the most up-to-date information.

Courtesy Pay: With Courtesy Pay, America’s Credit Union will cover an overdraft amount up to $750 for qualified members. ACU will automatically cover checks you write, ACH transactions, and Bill Pay transactions if you’re enrolled in Courtesy Pay. You must opt-in to Courtesy Pay coverage for everyday debit card transactions and ATM transactions if you would like overdraft coverage for those items. A small fee is incurred for this service. Please see our fee schedule for the most up-to-date information.

Checking Account Resources

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.

Claim Your Copy Here:

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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Ultimate Checking Account

The Best in Free Checking

Checking Account Features:

Overdraft Protection and Courtesy Pay

Checking Account Resources

Budgeting Your Checking Account

Claim Your Copy Here:

The Easiest Way to Add to Your Savings Account

Open an ACU Checking Account Today!

Related Links

Reorder Checks

Lost or Stolen Debit Cards

Opt-Out of Courtesy Pay

Direct Deposit

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