1 – $400.00 One-time Cash Bonus on New and Qualifying Consumer Checking Accounts

How does it work? The $400.00 one-time cash bonus is available on new consumer checking accounts opened on or after 07/15/2024. The bonus offer ends on 12/31/2024 and is only available for new America’s Christian Credit Union (ACCU) consumer checking accounts.

How do I qualify?

1) Open a new Basic Checking (CK06) or Secure Checking (CK03) account. Applicants must meet the minimum requirements for a CK06 or CK03, including valid identification, verifiable personal information, valid physical address in the US, 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 new consumer checking account must be opened between the dates of 07/15/2024 and 12/31/2024. Members with active CK06 or CK03 checking accounts on or before 07/01/2024 do not qualify. The SV01 and CK03 accounts have a $3.00 monthly paper statement fee, and the CK06 account has a $4.00 for access to additional account benefits. The minimum amount required to open a CK03 account is $10; the minimum amount required to open a CK06 account is $15. Visit https://americaschristiancu.com/personal/rates/ to compare account features and for complete annual percentage yields associated with ACCU accounts.

2) Post two direct deposit payments of $500.00 each or greater within 90 days of account opening. The first direct deposit must be received within 60 days of account opening, and the second deposit must be received by the 90th day after account opening to qualify. Direct deposits must consist of salary or other personal income such as a paycheck, pension payment, Social Security payment, or other government benefits payment electronically deposited into the account from an employer as recognized by the payroll transfer file. Deposits processed as a debit card credit, account-to-account automatic clearing house (ACH) transfers, peer-to-peer (for example: Zelle® or Venmo) transfers, micro deposits, single deposits, or direct deposits of less than $500.00 each, do not qualify. If a direct deposit is reversed (for any reason) by the issuer, the deposit will no longer qualify toward eligibility.

3) Request an ACCU Visa® debit card during the account opening/application process. The Visa® debit card must be issued to the member by the 90th day from account opening.

4) Enroll in eStatements through the ACCU online banking system within 30 days of account opening and be actively enrolled at bonus payout. Online Banking, E-Statements, Online Bill Pay, and Mobile Banking are free services provided by America’s Christian Credit Union. Message and data rates may still apply.

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 CK03 or CK06 consumer checking accounts opened as of 07/01/2024 (including trustees and signers on joint accounts) or those who have closed an ACCU checking account within the past 12 months. Existing members with an active checking account with a contract date of 07/01/2024 or earlier do not qualify for this promotion. New Health Care Sharing Membership accounts are not eligible 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 07/15/2024 and 12/31/2024. “Day 1” is the day that the account is opened, and this begins the tracking period. If the account is opened on a day other than a business day, “Day 1” will be the next business day.

How will I receive my bonus? Members must complete all of the qualifying criteria to receive their bonus. Please allow ACCU up to 45 days after the qualifying activities are completed to receive your payment. The bonus payment may take up to 135 days (90 days + 45 days for processing), depending on how long a member takes to complete the qualifying criteria.

$100.00 One-time Cash Bonus on New and Qualifying Checking Accounts

How does it work? The $100.00 one-time cash bonus is available on new consumer checking accounts opened on or after 07/15/2024. Applicants must meet the minimum requirements for a CK06 or CK03, including valid identification, verifiable personal information, valid physical address in the US, 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 12/31/2024 and is only available for new America’s Christian Credit Union (ACCU) consumer checking accounts.

How do I qualify? Open a new Basic Checking (CK06) or Secure Checking (CK03) account between 07/15/2024 and 12/31/2024, using a qualifying promo code in the application “Promo Code” field. Members with active CK06 or CK03 checking accounts on or before 07/01/2024 do not qualify. 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 code 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 CK03 or CK06 checking account prior to 07/01/2024 (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 checking account with a contract date of 07/01/2024 or earlier do not qualify for this promotion.

How will I receive my bonus? The $100.00 opening bonus will be awarded to the newly established CK03 or CK06 account upon opening. The cash bonus will be paid into the checking account upon verification of qualifying promo code. Please allow up to 15 days from the date of account opening for processing.

Limited-Time Offer:

Members may be eligible for both the $400.00 and the $100.00, so long as all the qualifying criteria are met. The maximum bonus payout per member, per tax ID number, is $500.00.

This limited-time offer expires 12/31/2024. 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. 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 $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.

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.