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Designed to help you get more from your money by offering top-tier interest rates and premium perks that grow the more you use it. Pair it with our other products and services, and you’ll unlock exclusive discounts and special rates available only to Elite Checking members.
- Earnings: Elite rates on your daily balances from $0.01 – $14,999.99. Thereafter, earn 0.25% APY on every penny for balances of $15,000.00 or more
- Perks: Earn premium discounts of up to 0.50% on qualifying personal loans with automatic payments from your Elite Checking account
- Access: Get paid up to two days sooner on your direct deposits with Early Pay
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Fill out the form below to get started on your application.
Digital Era Banking - Built For the Real World
Everyday Checking that's in Your Corner
Exclusive Loan Discounts & Elite Perks
Think of having an ACCU checking account as becoming a ‘VIP member’ and gaining access to all kinds of additional benefits – like discounts on your borrowing rates. Then from time to time, we’ll offer specials and bonuses that are only applicable to checking account holders.
Built In Cell Phone Coverage4
Carrier phone insurance may be a thing of the past! Receive up to two $400 claims per year toward the replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad – on up to three lines when you pay your wireless bill with Elite Checking.
ID Theft & Credit Monitoring4
Identity Monitoring – Monitoring of over 1,000 databases. Receive up to $10,000 to help pay expenses, clear your name and restore your identity. Should you suffer identity theft, your very own IDProtect® fraud resolution specialist will help you every step of the way until your identity is restored.
Your Money, Federally & Privately Insured
Your deposits are Federally insured by the National Credit Union Administration (NCUA) –up to the maximum allowed by law. In addition we offer excess coverage from American Share Insurance on balances that exceed federal limits up to an additional $200,000.
Perks & Benefits Included4
Elite Checking Account Rates
| Product | Minimum Deposit to Open Account | Minimum Balance to Earn Dividends | Dividend Rate | APY | Rate Type | Compounded / Paid |
|---|---|---|---|---|---|---|
| Elite Checking Tier 1 | $100.00 | $0.01 | 3.93% | 4.00% | Variable | Monthly |
| Elite Checking Tier 2 | - | $15,000.00 | 0.25% | 0.25% | Variable | Monthly |
It's Your Paycheck - Get it ASAP
A Complete Branch -- Pocket Sized
Deposit Checks With a Tap & Snap
Still receive paper checks? Deposit them anytime, anywhere, without having to visit a branching center (unless you want too). All you have to do is take a couple pictures then wait for those funds to clear — done.
Fee Free AHC Transfers
When other major banks charge for sending and transferring by ACH (Automatic Clearing House), you enjoy it fee free, plus linking external accounts is as easy as login in.
30,000 ATMs & 5,600 Branches
If you need cash or need to stop by a branch, we have over 30,000 shared branches3 and 5,600 surcharge-free ATMs3 ready to serve you nationwide.
Find ATMs & Shared Branches
Elite Checking Frequently Asked Questions
What is an Elite Checking account?
Our Elite Checking account is designed to reward your membership—offering top-tier interest rates and premium perks that grow the more you use your account. Plus, when you combine it with other ACCU products and services, you’ll unlock exclusive discounts and special rates available only to Elite Checking members.
Is there a monthly fee?
Yes, there is a $9.95 monthly fee that is waived with qualifying activities such as minimum monthly deposits, debit card transactions, and e-statements; OR, having a combined minimum level deposits and/or loan balances with ACCU.
Is there a minimum balance requirement?
There is a minimum balance of $100.00 to open this account; thereafter there is no monthly account minimum to earn dividends or maintain the account. However, if the account is not used in a way that meets the fee waiver criteria, a monthly maintenance fee of $9.95 will be applied.
Can I open a checking account online?
Yes, apply online in minutes! Already a member? You can get started here.
Do I need to be an America’s Christian Credit Union member to open a checking account?
Yes, you will need to become a member or already have membership established to open a checking account at ACCU. It is a government requirement that we both create membership and collect certain information to help prevent fraud and combat terrorism.
How can I access my accounts?
Our mobile app and online banking services make it easy to access your account anytime and anywhere. Transfer funds, send and receive money, pay bills or deposit checks right from your phone. And, of course, we are always happy to help you at any branch. We have thousands of shared-branching locations nationwide and network with more than 30,000 CO-OP ATMs. View all locations here.
Can I deposit a check with my phone?
Yes, you can deposit a check using Remote Deposit in the America’s Christian Credit Union mobile app to deposit a check in seconds. Our mobile app is available in the Google Play Market® and Apple App Store®.
1 – APY = Annual Percentage Yield. APY assumes original balance and earnings remain on deposit and rate holds constant for 365 days. Rate quoted effective as of September 2, 2025 and applies on the first $14,999.99; thereafter an APY of 0.25% will be applied on every $0.01 above $14,999.99.
2- Via Co-Op Network. Visit https://americaschristiancu.com/find-an-atm/ for a complete list of surcharge-free ATMs and shared branch locations.
3 – Elite Checking has no monthly service fee when you do at least one of the following options per calendar month:
- – Make 12 Visa® debit card transactions AND have electronic deposits made into this account totaling $2,000 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNowSM network. OR;
- – Maintain a combined total of $50,000 or more of personal loan and/or deposit balances. Otherwise, the applicable monthly service fee of $9.95 will apply starting on the month-end billing cycle after the 45th day after account opening. Fees may reduce earnings.
4 – Benefits are available to personal checking account owner(s) and their joint account owners subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. 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. 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.
- – Credit file monitoring may take several days to begin following activation.
- – Credit Score is a VantageScore 3.0 based on single bureau credit data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.
- – If you wish to name a beneficiary, please complete a beneficiary form. If there is no designated beneficiary on file, benefits will be paid according to the Master Policy. As an eligible account holder with a participating financial institution, you and your joint account holders, and family members, if applicable, are enrolled as members of the Econocheck Association, of which your financial institution is a sponsor. Certain Benefits, including insurance coverage, take effect on the date you enrolled in your eligible account and will end the earliest of: (1) the first of the month after the month in which your eligible account fees, if applicable, were last paid, (2) termination of your eligible account, or (3) termination of the applicable policy. As a member, you may be entitled to be represented at the annual meeting of Econocheck Association. For questions regarding claims or your coverage, or for more information, you may contact us at www.eclubonline.net or 866-210-0361. Please keep a copy of this letter with your important insurance papers.
Insurance products are not insured by National Credit Union Administration or any federal government agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.