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Your needs and lifestyle are unique.  Get a checking account that fits you perfectly.  Everyone has different responsibilities, schedules, and ways of going through their day.  That's why we offer several types of checking accounts - one that will fit the way you live.  Plus, all have the features you want in a checking account today, including surcharge-free ATM transactions and free online banking.  Regardless of how you budget your time and money, you'll find a checking account from us that will suit you perfectly.

The Umbrella Checking High Yield Checking Account

The best checking account anywhere!

*To earn The Umbrella Checking rates you must complete the following 3 items: have 12 debit transactions, have an eStatement and have one Direct Deposit per statement cycle.  The 2.25% Annual Percentage Yield (APY) applies to the first $25,000. Balances over $25,000 earn an APY of 0.50%. When monthly requirements are not met each monthly statement cycle, the base rate of 0.10% APY will apply to the entire balance for the statement cycle. Minimum to open the account is $100.  **Umbrellas are on a first-come, first-serve basis and are limited while supplies last and are only available to accounts opened with funds from a non ACU account.

Fee Free Checking

Think of it as the Never-Worry-About-A-Minimum-Balance Account. An excellent, all-around checking account that is free.

Fresh Start Checking

If you have been locked out of checking at another institution due to an inability to cover insufficient funds in your account, then come into ACU and apply for our Fresh Start Checking. It’s an account specifically designed for those who have had trouble maintaining a checking account. It’s simple, affordable and has all the important features of a traditional checking account.

The first step:  Wipe your debt clean.  In order to get you on the right credit track, the first thing we do is provide you with a loan to pay off the outstanding balance at your previous bank or credit union. That gives you a “fresh start” at rebuilding your credit. Needless to say, our rates and terms are designed for economically-disadvantaged individuals, so we make the process as easy and painless as possible.

Fresh Start Checking offers excellent features.  In today's world, you need a checking account that does a lot for you, and one you can access in may ways.  Here is what you are eligible for with a Fresh Start Checking:

A fresh start now can lead to even better things in the future.  We want you to grow with us and we promise to do our part to help you along the way. After twelve months of responsible usage of our Fresh Start Checking, you can request to move to our Fee-Free Checking, an account that is even more economical and one that offers additional features.

As a Community Development Financial Institution (CDFI), we often serve people who have had credit problems, been turned down by other institutions or just have difficulties making ends meet. So we are very much here to help. We believe that everyone should have access to the financial products that are necessary today.  Get a fresh start today.  To apply for Fresh Start Checking, visit our branch or call 978-249-3527. We’ll help get you on the road to financial recovery. 

*ACU membership requires a $25 savings account. Fresh Start Checking requires $25 to open. No minimum balance to maintain. Monthly service charge fee of $9.95. If you elect to have direct deposit of your net pay into your new ACU Fresh Start Checking, the monthly service charge will be reduced to $7.95. You will be required to pay-off previously charged-off accounts from other financial institutions in order to open Fresh Start Checking.

Ideal Business Checking

This is the lifeblood of small business financial management. A checking account designed for start-ups, sole proprietorships, or any business with checking needs.

Youth Checking

Today’s teens are not only becoming more independent, but they’re also becoming more dependent on easy ways to pay for all their lifestyles entail. We’ve recognized this and put together an economical Youth Checking program with emphasis on the latest banking technologies.

While a checking account has always been the very basis for core banking, through state-of-the-art technologies, our new Youth Checking account provides your teen with the freedom to manage money in more ways than ever – either with a pen and a checkbook or through the convenience of mobile banking.

The account comes with all the features and benefits that a teen on the go is looking for: