Checking

Alliance Credit Union has your best interest in mind with a checking account. Star Checking can help you eliminate a monthly service fee, earn cash back and make it easy to manage your money.

Checking accounts are multiple transaction accounts that provide ready access to funds. All checking account holders have unlimited check writing privileges and no “per check” charge. Overdraft Protection can be provided from savings, credit cards or through a line of credit with certain eligibility requirements.

Deposits can be made to your account in person, by mail, night depository, through direct deposit, RDC, or through our Smart ATM’s. Transfers between accounts are handled in person, by mail, by CU Online or by telephone.

Star Checking

Requirements

Any combination of the following:
  • $15,000 Combined Balances in Loans and Deposits
  • Active Personal Checking Account
  • Direct Deposit = Minimum $100/Month
  • Active Debit Card
  • E-Statements

Gold Level

5 of 5 Requirements
  • ATM surcharge rebates
    per month world-wide
  • .30% added to all CDs at renewal
  • .30% off consumer loans at origination
  • FREE check cashing
  • FREE money orders
  • FREE official ACU checks
  • FREE statement printouts
  • FREE coin machines usage
  • FREE cashier checks

Silver Level

4 of 5 Requirements
  • 5 ATM surcharge rebates
    per month world-wide
  • .20% added to all CDs at renewal
  • .20% off consumer loans at origination
  • FREE check cashing
  • Money orders - $1 each
  • Official ACU checks - $1 each
  • 6 months FREE statement printouts
  • Additional printouts for $3/month
  • Cashier Checks - $2 each

Requirements

Any combination of the following:
  • $15,000 Combined Balances in Loans and Deposits
  • Active Personal Checking Account
  • Direct Deposit = Minimum $100/Month
  • Active Debit Card
  • E-Statements

Bronze Level

3 of 5 Requirements
  • .10% added to all CDs at renewal
  • .10% off consumer loans at origination
  • Money orders - $1 each
  • Official ACU checks - $1 each
  • 6 months FREE statement printouts
  • Additional printouts for $3/month

Basic Level

  • Money orders - $1 each
  • Official ACU checks - $1 each
  • 6 months FREE statement printouts
  • Additional printouts for $3/month

Star Checking Features & Fees


Monthly Service Charge
VISA Check Card
CU Online Banking
E-Statements
Minimum Balance
Access 24/7
Direct Deposit
NONE
free & cash back
free
free
none
free
not required
Overdraft Fee
Per Check Fee
Box of Checks
e-Authorized Payments
NSF Fee
Stop Payment Fee
Negative Balance Fee
$32/item
none
as low as $17.95/box
free
$32
$20/request
$2/day

*Checks are available for order at member’s expense ** Bill pay is free with three or more bills. If two or fewer, there will be a $5.00 fee assessed. Pre-Existing DBA Checking Accounts have a $10.00 monthly service charge are subject to same fees as Alliance Rewards Checking. All Gold Star 60+ Checking accounts will be grandfathered in. If you wish to convert to our Rewards Checking, please visit one our branches or call Member Services 806.798.5554. Please note, if you convert your account from Gold Star 60+ Checking to Rewards Star Checking, you will not be able to convert back. Statement Disclosure

OVERDRAFT PROTECTION

Overdraft Protection Service is an overdraft service we offer to pay items presented against your checking account when your account balance is not sufficient to do so. Instead of returning the transaction to the merchant for non-sufficient funds (NSF), we pay it and overdraw your account.

If you have been a member in good standing and have established Direct Deposit to your checking account, we will cover your overdrafts up to the amount of your direct deposit or to the maximum amount of $500.00, minus the applicable fees.

Each item we pay instead of returning will have a NSF fee of $32.00. Participation in this program is automatic. Direct Deposit Overdraft Protection may be terminated at any time for abuse, or if the amount overdrawn regularly exceeds the overdraft limit. Regular overdraft protection from savings and other accounts will apply first.

Commercial Checking

Whether you’re a one-man show or a hundred-man operation, we have the checking account you need for your business. Contact a Financial Officer for more information.

*Checks are available for order at member’s expense
**Bill Pay is free with 3 or more payments per month. If less than 3 payments are made per month, a $5.00 monthly fee will be assessed.

Commercial Checking

Whether you're a one-man show or a hundred-man operation, we have the checking account you need for your business. Contact a Financial Officer for more information.

Features & Fees


Monthly Service Charge
VISA Check Card
CU Online Banking
E-Statements
Minimum Balance
Access 24/7
$10
free
free
free
none
free
Direct Deposit
Per Check Fee
Pre-Authorized Payments
NSF Fee
Stop Payment Fee
Negative Balance Fee
not required
none
free
$32
$20/request
$2/day

*Checks are available for order at member’s expense
**Bill Pay is free with 3 or more payments per month. If less than 3 payments are made per month, a $5.00 monthly fee will be assessed.