SuperMoney
  Altura Credit Union Ascend Checking Account

Altura Credit Union Ascend Checking Account

in Checking Accounts from Altura Credit Union

Unaffiliated

Altura Credit Union Ascend Checking Account

Unaffiliated

in Checking Accounts from Altura Credit Union

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Altura Credit Union Ascend Checking Account to your friends?

Thanks for your vote!

You voted: May or may not recommend

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
  • Higher than average APY. Altura Credit Union 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
Pros Cons
  • Interest-yielding account.
  • Insured by NCUA.
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Does not offer mobile check deposits.
  • No ATM access to Altura Credit Union Ascend Checking Account.
  • 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
Rates Amount
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 Ascend checking Account Minimums
Description Amount
Minimum Opening Deposit $25
APY Minimum Balance $10,000

What fees does Altura Ascend checking 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 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

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
Account Features
  • Free Bill Pay
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Insured by NCUA
  • Branch Access
  • Check Writing
APY (Annual Percentage Yield) 0.05% - 0.2%

Be the first to rate

 

Would you recommend Altura Credit Union Ascend Checking Account to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Checking Accounts