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  Altura Credit Union Ascend Checking Account

Altura Credit Union Ascend Checking Account

in Checking Accounts from Altura Credit Union

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Altura Credit Union Ascend Checking Account

Unaffiliated

in Checking Accounts from Altura Credit Union

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Highlights
Monthly Fee $0
ATM Fee: Out-of-Network $2
Minimum Balance to Avoid Monthly Fee $0
APY (Annual Percentage Yield) 0.05% - 0.2%

Altura Credit Union Ascend Checking Account Review

Altura Credit Union Ascend Checking Account is offered by Altura Credit Union, a credit union founded in 1957 and based in Riverside, CA. Altura Credit Union Ascend Checking Account is available in 1 state across the USA.

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only 0.2%.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • Free bill pay. Pay your bills to practically anyone in the United States through Altura Credit Union.
  • Hard credit pull. Altura Credit Union may require a hard pull on your credit report to open a checking account.
Altura Credit Union Ascend Checking Account Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Deposits are insured by the NCUA (up to $250K).
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Charges a higher than average fee on out-of-network ATM transactions.
Altura Credit Union Ascend Checking Account FAQ

Are checking accounts from Altura Credit Union federally insured?

No, your Altura Credit Union checking accounts are not insured by a federal insurance agency. This means that if Altura Credit Union were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

What APY does Altura Credit Union Ascend Checking Account offer?

Altura Credit Union Ascend Checking Account offers an APY starting at 0.05% and ranging up to 0.2% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep an average beginning day balance of at least $10000.

Altura Credit Union Ascend Checking Account Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.05% - 0.2%

What are the account minimums for Altura Credit Union Ascend Checking Account?

Altura Credit Union Ascend Checking Account requires a minimum initial deposit of $25 to open an account.

Altura Credit Union Ascend Checking Account Account Minimums
Description Amount
Minimum Opening Deposit $25
APY Minimum Balance $10,000

What fees does Altura Credit Union Ascend Checking Account charge?

The good news is that this account does not have a monthly Service Charge.

Altura Credit Union Ascend Checking Account Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $5
Early Account Closure $20
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0
NSF Fee $29
Online Bill Pay Fee $0
Overdraft Item Fee $29
Overdraft Protection Fee (per transfer) $7.50
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $40
Stop Payment Fee $29
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $45
ATM Fee: Out-of-Network $2

Does Altura Credit Union Ascend Checking Account charge overdraft fees?

Yes, Altura Credit Union Ascend Checking Account charges a $29 fee for every overdraft fee.

Altura Credit Union Ascend Checking Account offers overdraft protection at a cost of $7.50 per transaction.

What features and perks does Altura Credit Union Ascend Checking Account offer?

This account includes the following features:

  • Fraud monitoring - Altura Credit Union Ascend Checking Account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Altura Credit Union Ascend Checking Account allows you to manage your money online or with a mobile app.
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About Altura Credit Union Ascend Checking Account

Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

APY Minimum Balance $10,000
Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee $0
ATM Fee: In-Network $0
Monthly Fee $0
Online Bill Pay Fee $0
Debit Card Replacement Fee $5
Early Account Closure $20
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $29
Overdraft Item Fee $29
Overdraft Protection Fee (per transfer) $7.50
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $40
Stop Payment Fee $29
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $45
ATM Fee: Out-of-Network $2
Bank Account Features
  • Free Bill Pay
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • NCUA Member
  • Branch Access
  • Check Writing
APY (Annual Percentage Yield) 0.05% - 0.2%

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