Altura CU Ascend Checking Account Review
Altura CU Ascend Checking Account is offered by Altura Credit Union,
a credit union
founded in 1957 and based in Riverside, CA.
Altura CU Ascend Checking Account is available in
1 state across the USA.
- Higher than average APY. Altura CU Ascend Checking Account has an annual percentage yield of up to 0.2%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $10000.
- $0 monthly fee. This account does not charge a monthly Service Charge.
- Bill pay. Pay your bills to practically anyone in the United States through Altura Credit Union.
Altura Ascend checking Pros & Cons
- Interest-yielding account.
- Insured by NCUA.
- 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 Ascend checking 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 Ascend checking offer?
Altura Ascend checking 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 Ascend checking Rates and Terms
|APY (Annual Percentage Yield)
||0.05% - 0.2%
What are the account minimums for Altura Ascend checking?
Altura Ascend checking requires a minimum initial deposit of $25 to open an account.
Altura CU Ascend Checking Account Minimums
|Minimum Opening Deposit
||Starting at $25
|Minimum Balance to Avoid Monthly Fee
||Starting at $0
|Minimum Balance to Earn APY
What fees does Altura Ascend checking charge?
The good news is that this account does not have a monthly Service Charge.
Altura CU Ascend Checking Account Fees
|ATM Fee: In-Network
|ATM Fee: Out-of-Network
||Starting at $2
|Foreign Transaction Fee (Debit Card)
|Overdraft Item Fee
|Overdraft Protection Fee (per transfer)
|Returned Deposit Fee (Domestic)
|Returned Deposit Fee (International)
|Stop Payment Fee
|Wire Transfer Fee - Domestic (Incoming)
|Wire Transfer Fee - Domestic (Outgoing)
|Wire Transfer Fee - International (Incoming)
|Wire Transfer Fee - International (Outgoing)
|Paper Statement Fee
|Online Bill Pay Fee
|Debit Card Replacement Fee
|Early Account Closure
Does Altura Ascend checking charge overdraft fees?
Yes, Altura Ascend checking charges a $29 fee for every overdraft.
Altura Ascend checking offers overdraft protection at a cost of $7.50 per transaction.
What features and perks does Altura Ascend checking offer?
This account includes the following features:
- Fraud monitoring - Altura Ascend checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Altura Ascend checking allows you to manage your money online or with a mobile app.
What is the customer support email for Altura Ascend checking?
The customer support email for Altura Ascend checking is email@example.com.
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