1 – How does it work? The $100 one-time cash bonus is available on new consumer checking accounts opened on or after 10/08/2024. Applicants must meet the minimum requirements for a Basic Checking (CK06) or Secure Checking (CK03) account, including valid identification, verifiable personal information, valid physical address in the U.S., and an active Regular Share Savings account (SV01) to establish membership with ACCU. All signers authorize ACCU to make inquiries from any consumer reporting agency, including a check protection service, in connection with the new account(s). New membership with ACCU is contingent on satisfactory account verification. The bonus offer ends on 01/31/2025 and is only available for new ACCU consumer CK06 and CK03 checking accounts.

How do I qualify? Open a new CK06 or CK03 account between 10/08/2024 and 01/31/2025 using a qualifying promo code in the application “Promo Code” field. Existing members with an active CK06 or CK03 checking account before 10/08/2024 do not qualify for this promotion. CK06 and CK03 checking accounts have a $3.00 and $4.00 monthly paper statement fee that is waived upon enrollment in e-statements. CK03 has a monthly account service fee of $4.95 for access to additional account benefits. Visit https://americaschristiancu.com/personal/rates/ to compare account features and for complete annual percentage yields associated with ACCU accounts. The minimum amount required to open a CK03 account is $10; the minimum amount required to open a CK06 account is $15. The qualifying promo codes will be displayed or announced in marketing campaigns (contact an ACCU representative at 800-343-6328 for more details).

Limits and Exclusions: Offer is limited to one per member and one per account (including trustees and signers on joint accounts). Offer is not available for existing ACCU consumer checking account holders who have or had a CK06 or CK03 checking account prior to 10/08/2024 (including trustees and signers on joint accounts) or those who have closed an ACCU checking account within the past 12 months. New Health Care Sharing Membership accounts are not eligible for this promotion. Existing members with an active CK06 or CK03 checking account before 10/08/2024 do not qualify for this promotion. The new checking account must be open, in good standing, and have a balance greater than zero when the cash bonus is paid. Accounts opened fraudulently or with illicit funds are not considered to be in good standing and will not qualify for the bonus. Members are eligible for one checking account cash bonus per account and tax ID number; members cannot open multiple checking accounts and receive multiple cash bonuses. Bonus payouts are issued and reported for tax purposes to the primary account holder of a joint account. The promo code is applied to the first checking account that is opened between 10/08/2024 and 01/31/2025.

How will I receive my bonus? The $100 opening bonus will be awarded to the newly established CK06 or CK03 account after the account has been active for 90 days in good standing. The cash bonus will be paid into the checking account upon verification of the qualifying promo code. Please allow ACCU up to 90 days from the account opening date to receive your bonus, plus an additional 15 days for processing.

Limited-Time Offer: This limited-time offer expires 01/31/2025. All program rates, offers, terms, availability, and conditions are subject to change without notice. Promotional funds may be subject to 1099-MISC reporting. Any applicable taxes are the responsibility of the member.

Qualifying accounts for diaper donation are either CK06 or CK03 accounts opened using the form atop of AmericasChristianCU.com/Every or when using a qualifying promo code at account opening when using a general membership application. Once qualifications have been met, a cash donation equal to the cost of a box of EveryLife diapers will be made to EveryLife within 120 days of account opening. EveryLife, at its sole discretion, will deliver a box of diapers to a participating pregnancy or birth center. Certain restrictions apply. Terms, conditions, and offer availability may be subject to change without notice. The minimum deposit to open a CK03 account is $10 with a $4.95 monthly fee, and a minimum average daily balance of $1,500 is required to earn dividends. The minimum deposit to open a CK06 account is $15. Visit AmericasChristianCU.com/TIS for complete details on deposit accounts. Offer valid through 01/31/2025.

New members must qualify for membership and must pay a $2.00 membership fee. This credit union is federally insured by the National Credit Union Administration. Added savings protection provided by American Share Insurance (ASI) on qualifying member accounts in excess of that provided by NCUA. ASI is a credit union owned-share guaranty corporation. See a credit union representative for details.

2 – Message and data rates may apply.

3 – Via Co-Op Network. Visit Co-opfs.org for a complete list of surcharge-free ATMs and shared branch locations.

4 – Enrollment and eligibility requirements apply. 

Overdraft Privilege — Checks and ACH Recurring Payments (Bill Payment)
This option comes with your account. ACCU is under no obligation to pay a check or ACH transaction which exceeds the available balance in an account. However, we generally let your checks and online ACH/BILL payments go through for payment. We will overdraw your account up to your pre-approved limit. We will charge a fee of $25.00 per overdraft. If an item is presented for payment multiple times, we will charge a fee each time the item is presented. The maximum number of overdrafts fees that we will charge per day is four (4). The maximum amount of fees we will assess per day is $100.*

Overdraft Privilege PLUS — ATM Withdrawals and One-Time Debit Card Transactions
When you opt in to Overdraft Privilege PLUS, we may also authorize ATM withdrawals and one-time debit card transactions that overdraw your account. If we do, we will charge an overdraft fee of $25.00 for each overdraft we authorize. The maximum number of Overdraft Privilege PLUS overdrafts processed per day is four (4). The maximum amount of fees we will assess per day is $100.*

* – The total number of fees we will assess per day is for both plans combined. Ask an ACCU representative for additional details.

5 – One complimentary box of checks per year.

6 – Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.

7 – Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the certificate of insurance. Guide to benefit and insurance document will be included in follow-up letter.

8 – Account billing will not be reflected until the last business day of the month.