SuperMoney
  America's Credit Union Affinity Plus Checking

America's Credit Union Affinity Plus Checking

in Checking Accounts from America's Credit Union

Unaffiliated

America's Credit Union Affinity Plus Checking

Unaffiliated

in Checking Accounts from America's Credit Union

Net Recommendation Score +50

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +50, equating to 4 on a 5 point rating scale.

+50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

1 user recommends
1 user is unsure
0 users don't recommend
Cast your vote

Would you recommend America's Credit Union Affinity Plus Checking to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Community Rating

Rating not yet determined  

Monthly Fee $7
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0% - 0.75%

America's Credit Union Affinity Plus Checking Review

America's Credit Union Affinity Plus Checking is offered by America's Credit Union, a credit union founded in 1954 and based in Fort Lewis, WA. America's Credit Union Affinity Plus Checking is available in 50 states (and Washington, DC).

Key Takeaways
  • Higher than average APY. America's Credit Union Affinity Plus Checking has an annual percentage yield of up to 0.75%, which is higher than the national average interest rate on savings accounts.
  • Charges a monthly fee. This account charges a monthly service fee of $7, but there are ways to waive the fee.
  • No ATM fees. America's Credit Union Affinity Plus Checking does not charge fees on ATM transactions.
  • Up to $10 in ATM fee reimbursements. This account will reimburse you for ATM fees (see terms and conditions for details).
  • Bill pay. Pay your bills to practically anyone in the United States through America's Credit Union.
America's Credit Union checking account Pros & Cons
Pros Cons
  • 10¢ back every time you use your debit card ($5 minimum)
  • Available in all 50 states.
  • Interest-yielding account.
  • Deposits are insured by the NCUA (up to $250K).
  • Access to physical branches.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • Balances over $25,000 do not earn dividends on the portion of the balance over $25,000.
  • If qualifications are not met, all balances earn 0.00% APY. Qualifications include: 1)15 debit card transactions per month. 2) Log into ACU online or mobile app at least once during the month 3) Be signed up for e-statements.
  • Unavoidable monthly fee
  • No signup bonus.
  • Does not offer mobile check deposits.
  • Not FDIC-insured.
  • Higher than average wire transfer fees.
  • Monthly service charge.
America's Credit Union checking account FAQ

Are checking accounts from America's Credit Union federally insured?

No, your America's Credit Union checking accounts are not insured by a federal insurance agency. This means that if America's 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 America's Credit Union checking account offer?

America's Credit Union checking account offers an APY starting at 0% and ranging up to 0.75% (APY stands for annual percentage yield, rates may change).

America's Credit Union checking account Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0% - 0.75%

What are the account minimums for America's Credit Union checking account?

America's Credit Union checking account requires a minimum initial deposit of $25 to open an account.

America's Credit Union checking account Account Minimums
Description Amount
Minimum Opening Deposit $25

What fees does America's Credit Union checking account charge?

This account charges a monthly service fee of $7.

America's Credit Union Affinity Plus Checking Fees
Description
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $10
Debit Card Replacement Fee $10
Monthly Fee $7
NSF Fee $29
Online Bill Pay Fee $0
Overdraft Item Fee $29
Overdraft Protection Fee (per transfer) $5
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $15
ATM Fee: Out-of-Network $0

Does America's Credit Union checking account charge overdraft fees?

Yes, America's Credit Union checking account charges a $29 fee for every overdraft.

America's Credit Union checking account offers overdraft protection at a cost of $5 per transaction.

What features and perks does America's Credit Union checking account offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $10.
  • Fraud monitoring - America's Credit Union checking account 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 - America's Credit Union checking account allows you to manage your money online or with a mobile app.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

How do people rate the customer service and user experience of America's Credit Union checking account?

Overall, America's Credit Union checking account is strongly recommended based on community reviews that rate customer service and user experience.

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

  • Headquarters
  •   12th and Pendleton, Building 2201
    Fort Lewis, WA 98433
  •   Visit Site

About America's Credit Union Affinity Plus Checking

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Minimum Opening Deposit Starting at $25
ATM Fee: In-Network $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
ATM Fee: Out-of-Network $0
ATM Reimbursement Monthly Limit $10
Debit Card Replacement Fee $10
Monthly Fee $7
NSF Fee $29
Overdraft Item Fee $29
Overdraft Protection Fee (per transfer) $5
Wire Transfer Fee - Domestic (Outgoing) $15
Bank Account Features
  • No ATM Fees
  • Free Bill Pay
  • Interest Bearing Account
  • ATM Reimbursement
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • NCUA Member
  • Branch Access
APY (Annual Percentage Yield) 0% - 0.75%

America's Credit Union Affinity Plus Checking Community Reviews

 

Would you recommend America's Credit Union Affinity Plus Checking 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)

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +50, equating to 4 on a 5 point rating scale.

+50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

sorted by

Other Checking Accounts