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  Altura CU Ascend Checking Account
Altura CU Ascend Checking Account
in Checking Accounts from Altura Credit Union
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Altura CU Ascend Checking Account

Unaffiliated
in Checking Accounts from Altura Credit Union
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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.05% - 0.2%
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee Starting at $0

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.

Key Takeaways

  • 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 any monthly account fees.
  • 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.
  • 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
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 CU Ascend Checking Account Minimums
Description
Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Balance to Earn APY $10,000

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
Description
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $29
Overdraft Item Fee $29
Overdraft Protection Fee (per transfer) $7.50
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
Paper Statement Fee $5
Online Bill Pay Fee $0
Debit Card Replacement Fee $5
Early Account Closure $20

Does Altura Ascend checking charge overdraft fees?

Yes, Altura Ascend checking charges a $29 fee for every overdraft. You can get 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 alturapress@alturacu.com.

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Message From Altura Ascend checking

Altura Credit Union is continuously looking for ways to make our Members’ financial lives as convenient as possible. Based upon Member feedback, we have redesigned our main checking account and made it a free checking account.

Introducing Ascend Checking, a free checking account that is simple, has limited stipulations, and no monthly service fees. You also get a several benefits that we think you’ll love, including real-time access to monitor and protect your credit score and dividends based on balances in your account.

Contact

About Altura CU Ascend Checking Account

Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Balance to Earn APY $10,000
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $29
Overdraft Item Fee $29
Overdraft Protection Fee (per transfer) $7.50
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
Paper Statement Fee $5
Online Bill Pay Fee $0
Debit Card Replacement Fee $5
Early Account Closure $20
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
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
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0.05% - 0.2%

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