Compare Our Checking Accounts
| Account Name | Fee Free Checking | Umbrella Checking | Youth Account | Fresh Start Checking |
|---|---|---|---|---|
| Incentive | No Minimums | Interest Bearing | Financial Education | Get Finances Back in Shape |
| Monthly Rewards |
|
|
|
|
| Monthly Maintenance Fee | NONE | NONE | NONE | $7.95 with direct deposit $9.95 without |
| Refunds on ATM Withdrawal Fees | NONE | Up to $25 monthly* | NONE | NONE |
| Free Online & Mobile Banking Access? | Yes | Yes | Yes | Yes |
| Free Debit Card? | Yes | Yes | Yes | Yes |
| Minimum Opening Deposit | $25 | $100 | $10 | $25 |
| Open Account | ||||
*Umbrella Checking Qualification Information
Earning the full rewards is so easy, you're probably already doing it! Enrollments must be in place and all of the following transactions and activities must post and settle to your Umbrella Checking account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- At least one direct deposit
- Be enrolled in and agree to receive eStatements
Fee-Free-Checking
Athol Credit Union’s Fee-Free-Checking is an excellent all-around Checking Account. It is a great option for those who need basic checking services, but who don’t want to mess around with fees. Fee-Free-Checking account holders receive all the great benefits that come with being an ACU member.
Key features
No minimum balance requirement
No monthly service fees
Unlimited use of ACU ATMs & no ATM fees on Accel Advantage ATMs
Free starter checks
Umbrella Checking
It’s just more rewarding to bank local. Earn really high dividends on your checking balance with this free account. Plus, access refunds on ATM withdrawal fees nationwide.
Key features
1.75% APY* on balances up to $25,000
0.25 APY on balances over $25,000, depending on balance in account*
0.10% APY* if qualifications aren't met
Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
No minimum balance to earn rewards
No monthly maintenance fee
Free digital banking services, including:
Free Online Banking & Bill Pay
Free Mobile Banking with Mobile Deposit
Free e-Statements
$100 minimum deposit to open
How to earn your rewards
Just do a few simple things you're probably already doing. Enrollments must be in place, and all of the following transactions and activities must post and settle to your Umbrella Checking Account during each Monthly Qualification Cycle:
At least 12 debit card purchases
At least one direct deposit
Be enrolled in and agree to receive eStatements
And if you don't meet these qualifications, your account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
Youth Account
Learning how to manage money and credit is more important than ever. Our Youth Checking Account gives kids and teens a safe space for learning the basics of handling their own Checking Account, while keeping parents in the loop.
Key features
No monthly fees
No minimum balance requirements
Account alerts based on balance/withdrawal amounts
Unlimited use of ACU ATMs & no ATM fees on Accel Advantage ATMs
Free starter checks
Fresh Start Checking
A fresh start now can lead to a brighter future. That’s why we built our Fresh Start Checking program, to help ACU members who want to get back to square one when it comes to maintaining a bank account.
Key features
$25 initial deposit required
$7.95 monthly service fee with direct deposit ($9.95 without)
No minimum balance requirements
Unlimited use of ACU ATMs & no ATM fees on Accel Advantage ATMs
Free starter checks
Funds Availability Policy Change In Terms Notice
Due to changes in Federal Regulation CC, the amount of funds that must be made available to you will be changing effective July 1, 2025. Depending on the type of check you deposit, your funds may not be available until the second business day after the day we receive your deposit. Beginning July 1, 2025, the first $275 of your deposits, however, will be available on the first business day after the day we receive your deposit. This is a change from the $225 that must currently be made available on the first business day after the day we receive your deposit.
In addition, the following changes also apply to those funds you deposit by check, which may be delayed for a longer period:
You deposit checks totaling more than $6,725 on any one day. This is a change from the current amount of $5,525.
You are a new customer, and the account is still within the first 30 days from account opening. For a new account, funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $6,725 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions.
For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $6,725 will be available on the fifth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $6,725 will not be available until the second business day after the day of your deposit. This is a change from the current amount of $5,525.
If we delay availability on a deposit, we will provide a notice of delayed availability to you promptly. Should you have any questions, please do not hesitate to contact us at 978-249-3527.
