Alliance Checking

At ALLIANCE, we’re a different kind of bank: owned by you and working for you to give you control of your financial future. With ALLIANCE Checking there is no monthly service fee, and you get access to all these great benefits just for being a member:

  • Free ClickSWITCH
  • Free Online Banking
  • Free Mobile Banking
  • Free Instant Issue Debit Card (upon account opening for all qualifying owners)
  • Free iSave
  • Free Bill Pay with 3 or more bills per month (if enrolled and not met, $5 monthly fee assessed)

Please refer to fee schedule if you do not qualify for Performance Checking

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, through direct deposit, Remote Deposit Capture, or through our Smart ATMs. Transfers between accounts are handled in person, by mail, by CU Online or by telephone.

Performance Checking

From working for your money to making your money work for you! With Performance Checking at ALLIANCE Credit Union you get to experience the full benefit of credit union membership. What do you have to do to qualify? Simply have a recurring direct deposit of $500 or more monthly. Business owners that do not have direct deposit can qualify by having their business account at ALLIANCE.

Requirements

Recurring Direct Deposit of $500 or more monthly or Business Account at Alliance

Benefits

  • 0.30% discount off consumer loan rates at origination
  • 0.30% added to qualifying certificates
  • 0.30% cash back on debit card purchases
  • Unlimited ATM refunds nationwide
  • No monthly service charge
  • 2 free boxes of checks per year
  • Free Money Orders
  • Free Official CU checks
  • Free Cashier’s Checks
  • Free statement printouts in branch through the previous 6 months (statements past 6 months are $3 per statement with a $20 per hour research fee- 1 hour minimum)
  • Free Instant Issue Debit Card (upon opening a checking account for all qualifying owners)
  • Free ClickSWITCH
  • Free Online Banking
  • Free Mobile Banking
  • Free iSave Feature
  • Free Bill Pay with 3 or more bills per month (if minimum is not met $5 monthly fee assessed)

Requirements

Recurring Direct Deposit of $500 or more monthly or Business Account at Alliance

Performance Checking Features & Fees


Monthly Service Charge
VISA Debit Card
CU Online Banking
E-Statements
Minimum Balance
Access 24/7
Direct Deposit
NONE
free & cash back
free
free
none
free
required
Overdraft Fee
Per Check Fee
Box of Checks
e-Authorized Payments
NSF Fee
Stop Payment Fee
Negative Balance Fee
$32/item
none
2/year
free
$32/item
$20/request
$/day

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. You must opt-in to this service.

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 Debit 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.