Compare Our Checking Accounts
| Account Name | Fee Free Checking | Umbrella Checking | Youth Account | Fresh Start Checking |
|---|---|---|---|---|
| Incentive | No Minimums | Really High Interest | 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
