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  Adventure Credit Union Edge Checking Account

Adventure Credit Union Edge Checking Account

in Checking Accounts from Adventure Credit Union · ncua

Unaffiliated

Adventure Credit Union Edge Checking Account

Unaffiliated

in Checking Accounts from Adventure Credit Union · Insured by NCUA

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

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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Highlights
Community Rating

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Monthly Fee $0
ATM Fee: Out-of-Network $1.50
Minimum Balance to Avoid Monthly Fee Starting at $0
APY (Annual Percentage Yield) 0.1% - 4%

Adventure Credit Union Edge Checking Account Review

Adventure Credit Union Edge Checking Account is offered by Adventure Credit Union, a credit union founded in 1936 and based in Grand Rapids, MI. Adventure Credit Union Edge Checking Account is available in 1 state across the USA.

Key Takeaways
  • Very high APY. This account offers an annual percentage yield of up to 4%, which is much higher than the average for a checking account.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • Bill pay. Pay your bills to practically anyone in the United States through Adventure Credit Union.
Adventure Credit Union edge checking Pros & Cons
Pros Cons
  • High-interest yield.
  • Insured by NCUA.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • Access to a nationwide network of ATMs.
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Charges a fee on out-of-network ATM transactions.
Adventure Credit Union edge checking FAQ

Are checking accounts from Adventure Credit Union federally insured?

Yes, your Adventure Credit Union checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does Adventure Credit Union edge checking offer?

Adventure Credit Union edge checking offers an APY starting at 0.1% and ranging up to 4% (APY stands for annual percentage yield, rates may change).

Adventure Credit Union edge checking Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.1% - 4%

What are the account minimums for Adventure Credit Union edge checking?

Adventure Credit Union edge checking does not require a minimum initial deposit.

Adventure Credit Union Edge Checking Account Minimums
Description
Minimum Direct Deposit to Avoid Monthly Fee $100
Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does Adventure Credit Union edge checking charge?

The good news is that this account does not have a monthly Service Charge.

Adventure Credit Union Edge Checking Account Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $10
Early Account Closure $5
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0
NSF Fee $30
Online Bill Pay Fee $0
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $5
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $10
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $35
ATM Fee: Out-of-Network $1.50

Does Adventure Credit Union edge checking charge overdraft fees?

Yes, Adventure Credit Union edge checking charges a $30 fee for every overdraft.

Adventure Credit Union edge checking offers overdraft protection at a cost of $5 per transaction.

What features and perks does Adventure Credit Union edge checking offer?

This account includes the following features:

  • Fraud monitoring - Adventure Credit Union edge 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 - Adventure Credit Union edge checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Adventure Credit Union edge checking?

The customer support email for Adventure Credit Union edge checking is support@adventurecu.org.

How do people rate the customer service and user experience of Adventure Credit Union edge checking?

Overall, Adventure Credit Union edge checking is strongly recommended based on community reviews that rate customer service and user experience.

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Message From Adventure Credit Union Edge Checking Account

There’s a Better Way to Manage Daily Finances – One That Prioritizes You. Gain the Edge! Too many banks treat checking accounts as an afterthought, tacking on fees and adding obstacles that slow you down. Adventure Credit Union understands the value of providing free, high interest rate checking with all the convenience your busy life demands.

Edge Checking functions just like a traditional FREE checking account. The Edge comes with the 4% APY* you earn on balances up to $10,000, by simply meeting monthly requirements. That means you can earn up to $400/year in dividends.* If you don't meet the requirements, your Edge Checking functions as you'd expect your free checking would, no fees and easy access. Everything about our Edge Checking is tailored to you, from the free Debit Card to surcharge-free ATM access to unlimited check-writing. Our high-yield checking account is ideal for Michigan residents in Grand Rapids, Lansing and beyond who are ready to move forward. Open a checking account online or at any of our branches.

 

Availability

  Available in 1 state
Michigan
Availabile in all of Michigan

Feature Breakdown

Minimum Direct Deposit to Avoid Monthly Fee $100
Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee Starting at $0
ATM Fee: In-Network $0
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
Debit Card Replacement Fee $10
Early Account Closure $5
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $5
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $10
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Outgoing) $35
ATM Fee: Out-of-Network $1.50
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Automatic Transfers
  • Bauer Financial A+/A Rating
  • Insured by NCUA
APY (Annual Percentage Yield) 0.1% - 4%

Adventure Credit Union Edge Checking Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

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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