Ultimate
checking
Everyday checking. benefits for real life.
Checking that rewards your relationship.
Ultimate Checking from ALLIANCE Credit Union puts the tools you use every day, the protection you want, and perks you will actually enjoy in one account. Manage your money from the branch to your phone, with benefits that look out for you.
Convenience built in
- Online Banking – Check balances, move money, and manage your accounts from anywhere.
- Mobile Banking with Mobile Check Deposit – Manage your money and deposit checks right from your mobile device.
- Online Bill Pay – Make managing and paying your monthly bills easier.
- E-Statements – Secure, paperless access to your statements whenever you need them.
- Instant-Issue Visa® Debit Card – Get quick access to your money with an ALLIANCE Visa® Debit Card.
- Mobile Wallets – Tap to pay with Apple Pay, Google Pay, or Samsung Pay.
- Nearly 30,000 Surcharge-Free ATMs – Access your money nationwide through the CO-OP Network
Save and Earn
- $hopping Rewards™2 – Earn cash rewards when you shop online at dozens of your favorite retailers. Registration and activation are required; available via mobile or web only.
- Health Discount Savings2 – Enjoy savings on vision, dental services, and prescriptions. Registration and activation are required. This is NOT insurance.
- Travel & Leisure Discounts2 – Save big with deep discounts at thousands of local and national businesses. Registration and activation are required; available via mobile or web only.
Protection that has your back
- Real-Time Card Fraud Protection – Added protection to help safeguard your card and account.
- Overdraft Coverage Options – Help cover overdrafts with a savings transfer or Courtesy Pay.1
- Protect against identity theft with IDProtect®2, 10 – Benefits include daily credit file monitoring and automated alerts of key changes to your credit report3, access to credit reports and scores4, monitoring of more than 1,000 databases to identify suspicious activity5, reimbursement up to $10,000 for expenses associated with identity restoration6, fully managed resolution services, and more.
- Accidental Death & Dismemberment Insurance2 – Receive up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance coverage.7
- Cellular Telephone Protection2 – Phone trouble? Receive up to $400 toward replacement or repair costs for damaged or stolen phones.8 Your cellular telephone bill must be paid using your Ultimate Checking account or a credit card issued by ALLIANCE Credit Union.
- 24/7 Roadside Assistance2– Stranded? Get 24-hour coverage for roadside assistance services, including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance, up to $100 per occurrence.8 Maximum of two reimbursement claims per 12-month period.
- Debit Advantage®2 – Shop with Confidence. Receive Buyer’s Protection and Extended Warranty9 for eligible items purchased entirely with your Ultimate Checking account.
- RideShare Protection2 – Receive coverage if injured while traveling in an Uber, Lyft, or other vehicle operated by a transportation network company.9
Three Levels
More ways to qualify
Ultimate Checking has three benefit levels: Ruby, Sapphire, and Diamond. Your level is determined monthly based on your account activity and relationship with ALLIANCE.
Level 1 - Ruby
$6.00 Monthly Fee
Ruby keeps things simple with no monthly qualification requirements.
Level 2 - Sapphire
$4.00 Monthly Fee
To qualify, you must:
- Maintain a combined share/loan balance of $15,000 or more OR complete at least 15 signature-based debit card transactions during the month.
- Receive at least $500 in direct deposits.
- Be enrolled in e-statements.
- Log in to Online Banking at least once during the month.
Level 3 - Diamond
No Monthly fee when you qualify
To qualify, you must:
- Maintain a combined share/loan balance of $15,000 or more OR complete at least 15 signature-based debit or credit card transactions during the month.
- Complete at least one signature-based debit or credit card transaction, even when qualifying through the $15,000 balance requirement.
- Receive at least $500 in direct deposits.
- Be enrolled in e-statements.
How Your
Ultimate Checking
Levels Work
We review your level each month based on your account activity. If you don’t meet all of the requirements for your current level, your account will move to the next qualifying level. This means that you could pay a higher monthly fee.
That means the more you use ALLIANCE for your everyday banking, the more opportunities you have to qualify for a higher Ultimate Checking level.
Make the most of your checking, from everyday purchases and digital banking to identity theft monitoring and added protection, Ultimate Checking gives you more from an account you already use every day.
DISCLOSURES
1Courtesy Pay is discretionary and not guaranteed. A fee of $24 applies to each item paid, and qualifications apply. See our Services page for covered items, repayment time, and other details.
2Benefits 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.
3Registration/activation required.
4Registration/activation required. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.
5Registration/activation required.
6Special 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 for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit. Guide to Benefit can be found online at alliancecutx.clubchecking.com or through the Club Checking mobile app. Insurance Products are not insured by any Federal Government Agency; Not a deposit of or guaranteed by the Credit Union or any Credit Union Affiliate.
7Special 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 provided through the company named in the Guide to Benefit or on the certificate of insurance. 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 owner, you are enrolled as a member of the Econocheck Association, of which your financial institution is a sponsor. For more information, please visit alliancecutx.clubchecking.com or call 1-866-210-0361. Insurance Products are not insured by any Federal Government Agency; Not a deposit of or guaranteed by the Credit Union or any Credit Union Affiliate.
8Special 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 for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit. Guide to Benefit and/or insurance documents can be found online at alliancecutx.clubchecking.com or through the Club Checking mobile app.
9Special 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 provided through the company named in the Guide to Benefit or on the certificate of insurance. Guide to Benefit and insurance documents can be found online at alliancecutx.clubchecking.com or through the Club Checking app. Insurance Products are not insured by any Federal Government Agency; Not a deposit of or guaranteed by the Credit Union or any Credit Union Affiliate.
10IDProtect® is a registered trademark of Econocheck Corporation.
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