Share Draft/Checking Accounts

This is our basic checking account. You may access your account through drafts/checks or a debit card. We will send you periodic statements, which detail all deposits and account activities, along with daily balances. Sign up for e-Statements to conveniently receive your statements online, as well as help us save paper and postage.

REGULAR SHARE DRAFT/CHECKING ACCOUNT

· No Minimum Balance
· No Monthly Service Charge
· Unlimited Check Writing

This is our basic checking account. Carbonless duplicates are written with each draft (check). These duplicates are used to balance your monthly statement. We'll send you monthly statements, which detail all deposits and daily account balances. Share drafts are listed in numerical order, so it's easy for you to balance against your personal register. Sign up for e-Statements and help us save paper and postage.

All members age 62 and over receive FREE draft printing.

DIRECT DEPOSIT - We encourage you to have your payroll, Social Security, military, government, retirement or company pension checks sent directly to your account.

SUPER SHARE DRAFT/CHECKING ACCOUNT

This draft account is meant for the member that maintains a minimum daily balance of $500.00. If the minimum is met the member earns dividends on their funds. If the minimum is not met, there is a monthly service charge.

THE ULTIMATE ACCOUNT

This draft account is meant for the member that maintains a minimum daily balance of $30,000.00. If the minimum is met the member earns dividends on their funds, as well as other benefits listed below. If the minimum is not met, there is a monthly service charge. The following benefits are provided with this account:

  • Free checks
  • Unlimited check writing privileges
  • Free Debit Card
  • Free 3x5 safe deposit box (subject to availability)
  • Free VISA Travel Money Card
  • No closing costs on Mortgage Loans (Not applicable to loans through AmeriCU Mortgage)
  • .25% Discount on your qualified Consumer Loan rate

The minimum balance required to open this account, obtain the APY and receive additional benefits is $30,000. Take a look at our Rates page to see more details on this account.

BUSINESS ACCOUNTS

Business Accounts are available with a minimal monthly fee. Stop in or call us for more details.

VISA DEBIT CARD

You may apply for a VISA Debit Card if you have a share draft account. When using this card to make a purchase, simply let the cashier know the transaction will be "Credit" and sign the receipt to authorize the transaction. The purchase amount will be withdrawn directly from your share draft (checking) account. You can also make a purchase, purchase with cash back, withdraw cash or make a deposit (if applicable) at an ATM machine using the issued PIN number.