Compare Our Checking Accounts
Most Popular
No Minimums
Fee Free Checking
Learn MoreMonthly Rewards
- No minimum balance requirement
- No monthly service fees
- Free debit card
- Unlimited use of ACU ATMs & no ATM fees on Accel Advantage ATMs
- Free starter checks
Monthly Maintenance Fee
NONE
Refunds on ATM Withdrawal Fees
NONE
Free Online & Mobile Banking Access?
Yes
Free Debit Card?
Yes
Minimum Opening Deposit
$25
Really High Interest
Umbrella Checking
Learn MoreMonthly Rewards
- 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
Monthly Maintenance Fee
NONE
Refunds on ATM Withdrawal Fees
Up to $25 monthly*
Free Online & Mobile Banking Access?
Yes
Free Debit Card?
Yes
Minimum Opening Deposit
$100
Financial Education
Youth Account
Learn MoreMonthly Rewards
- No minimum balance requirement
- No monthly service fees
- Free debit card for teenagers
- Unlimited use of ACU ATMs & no ATM fees on Accel Advantage ATMs
- Free starter checks
- Free transaction alerts with CardGuard
Monthly Maintenance Fee
NONE
Refunds on ATM Withdrawal Fees
NONE
Free Online & Mobile Banking Access?
Yes
Free Debit Card?
Yes
Minimum Opening Deposit
$10
View All Accounts
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
If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.