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America's Christian CU
America's Christian Credit Union

Compare Checking Accounts

Checking Accounts

ACCU checking accounts designed to make managing everyday finances easy.

A checking account is often the center of financial activity for a household. Whether you are just getting started or looking to transfer to ACCU, our goal is to ensure access and use your funds is straightforward and convenient. Regardless if you prefer to write checks, use a debit card, or prefer utilizing digital banking services such as bill pay and peer-to-peer payments – from the convenience of your computer, tablet, or smartphone – we got you covered!

Check out our account comparison chart below to determine which checking account is right for you. 

All Our Checking Accounts Include:

  • Unlimited transactions
  • Nationwide access to over 5,600 shared branches and 30,000 surcharge-free ATMs1
  • VISA® Debit Card
  • Online Banking & Bill Pay
  • Mobile Banking & Mobile Deposit

Today's Rate - Valid 10/07/2022
Secure Checking
0.05%
APY2,3

Which checking account is right for you?

Secure Checking Basic Checking Varsity / Student Checking
Best for Young adults, parents, head of household All adult members. Also great as a secondary account.Members age 13 - 17 / 18 - 24
Minimum balance to open$10$15$5
Minimum balance to earn dividends$1,500N/AN/A
Annual Percentage Yield (APY)0.05%N/AN/A
Debit Card
Access to Online Banking & Mobile Banking4
Access to 30,000+ Shared Branches Nationwide1
Online Bill Pay
Overdraft Protection (Eligibility required)5
Complimentary Checks6
IDProtect7
Up To $10,000 of Accidental Death & Dismemberment Insurance8
Debt Advantage - Buyer’s Protection8 and Extended Warranty8
Cell Phone Protection8
$hopping Rewards™,8
Service Fee$4.95 Per Month9
Paper Statement Fee (Waived with E-Statements)$3.00 Per Month$4.00 Per Month$3.00 Per Month

Digital Services
With ACCU Online Banking and Mobile App, you can conveniently manage your money with access to your account anywhere, anytime.
  • Save time and money
  • Available 24/7 from anywhere
  • Set up helpful email alerts
  • Highest level of security
  • Eliminate paper waste
  • Simplify recordkeeping
  • Reduce chance of identity theft
  • Arrive faster than paper statements
  • Fast, free, and easy
  • Online Banking in palm of hand
  • Available 24/7 from anywhere
  • Set up helpful email alerts
  • Over 5,600 branch locations
  • Make deposits, withdrawals, and more
  • Easy online branch locators
  • Locate by phone or mobile app
  • Over 30,000 ATM locations nationwide
  • Partnered with the CO-OP network
  • Search for ATMs online
  • Withdraw cash and more
  • Save time and money
  • Available 24/7 from anywhere
  • Set up helpful email alerts
  • Highest level of security
  • Eliminate paper waste
  • Simplify recordkeeping
  • Reduce chance of identity theft
  • Arrive faster than paper statements
  • Fast, free, and easy
  • Online Banking in palm of hand
  • Available 24/7 from anywhere
  • Set up helpful email alerts
  • Over 5,600 branch locations
  • Make deposits, withdrawals, and more
  • Easy online branch locators
  • Locate by phone or mobile app
  • Over 30,000 ATM locations nationwide
  • Partnered with the CO-OP network
  • Search for ATMs online
  • Withdraw cash and more
Open Your Checking Account Today
Ready to open a checking account with a financial partner who understands your faith and moves you forward?

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

2 – For average daily balances of $1,500+

3 – APY = Annual Percentage Yield.

4 – Message and data rates may apply.

5 – 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 $32.50 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 ten (10). The maximum amount of fees we will assess per day is $325.*

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 $32.50 for each overdraft we authorize. The maximum number of Overdraft Privilege PLUS overdrafts processed per day is ten (10). The maximum amount of fees we will assess per day is $325.*

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

6 – One complimentary box of checks per year.

7 – 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.

8- 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.

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

Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.