Last Updated: 01/21/2026
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Highlights
Welcome Offer
Starting at $0(Verified 06/21/2024)
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Rewards
N/A
APY (Annual Percentage Yield)
0.05% - 0.2%(Verified 06/21/2024)
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Monthly Maintenance Fee
$0(Verified 01/21/2026)
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Altura CU Ascend Checking Account Review
The Altura CU Ascend Checking Account is offered by Altura Credit Union, a credit union founded in 1957 and based in Riverside, CA. Altura Ascend checking is available in 1 state.
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.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Altura Credit Union mobile or online banking.
Altura Ascend checking Pros & Cons
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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.
| 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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $10,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Altura Ascend checking charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $45 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Altura Ascend checking charge overdraft fees?
Yes, Altura Ascend checking charges a $29 fee for every overdraft.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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Altura CU Ascend Checking Account Community Reviews
Would you recommend Altura CU Ascend Checking Account to your friends?
RQ
Rida Q.
Nov 13, 2023
May or may not recommend
Altura CU's Ascend Checking Account stands out with its competitive interest rates, low fees, and convenient access through online and mobile banking. The account offers a range of perks, including ATM fee reimbursements, making it attractive for those who prioritize earning interest on their balances. Customer satisfaction is generally high, with positive feedback on service responsiveness. While it may not have an extensive branch network, the strong online presence compensates ...Show More
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