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  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 +33  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +33, equating to 3.7 on a 5 point rating scale.

+33

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
2 users are unsure
0 users don't recommend
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Highlights
Community Rating

Rating not yet determined  
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.00% - 0.75%
(Verified 08/08/2022)
Monthly Fee $7
Minimum Balance to Avoid Monthly Fee N/A

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.
  • No ATM fees. America's Credit Union Affinity Plus Checking does not charge fees on ATM transactions.
  • Up to $10 in ATM fee rebates. 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.
  • Insured by NCUA.
  • 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 0.00% 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) 0.00% - 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 Affinity Plus Checking Minimums
Description
Minimum Opening Deposit Starting at $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
Monthly Fee $7
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0
ATM Reimbursement Monthly Limit $10
NSF Fee $29
Overdraft Item Fee $29
Overdraft Protection Fee (per transfer) $5
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $15
Online Bill Pay Fee $0
Debit Card Replacement Fee $10

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

Yes, America's Credit Union checking account charges a $29 fee for every overdraft. You can get 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 rebates - 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.

What is the customer support email for America's Credit Union checking account?

The customer support email for America's Credit Union checking account is MortgageEmail@youracu.org.

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.

Message From America's Credit Union checking account

All ACU checking accounts give you the convenience of mobile and online banking, online bill pay, compatibility with Quicken and QuickBooks, and many other valuable features. Affinity Plus Checking, A relationship account that pays you back with a great rate, cash back and more.

Contact

About America's Credit Union Affinity Plus Checking

View America's Credit Union Profile

Availability

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

Feature Breakdown

Minimum Opening Deposit Starting at $25
Monthly Fee $7
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0
ATM Reimbursement Monthly Limit $10
NSF Fee $29
Overdraft Item Fee $29
Overdraft Protection Fee (per transfer) $5
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $15
Online Bill Pay Fee $0
Debit Card Replacement Fee $10
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Interest Bearing Account
  • ATM Reimbursement
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Insured by NCUA
  • Branch Access
APY (Annual Percentage Yield) 0.00% - 0.75%
(Verified 08/08/2022)

America's Credit Union Affinity Plus Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +33, equating to 3.7 on a 5 point rating scale.

+33

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.

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