Checking ACCOUNTS


ACFCU’s checking accounts are designed to meet the many needs of our members. All accounts come with a VISA Debit Card, feature BaZing benefits, earn monthly dividends, and are accessible through our Online Banking site and our mobile app.


Premier Checking

ACFCU’s Premier checking account is truly top notch!  In addition to paying dividends on a monthly basis, our Premier account includes BaZing benefits, including identity theft protection, mobile phone insurance, roadside assistance, and great shopping discounts. Premier Checking can be free! Ask your ACFCU representative how you can have your monthly fee waived.


Senior Checking

Our Senior Checking account is designed with the needs of our active senior members. If you are 65 or older, then this could be the account for you. Senior Checking can be free! Ask us how you can have your monthly fee waived.


E-Savvy Checking

Do you love technology? Then this is the account for you. Our E-Savvy account offers the same level of access as our Premier and Senior accounts without the paper (i.e., no checks and electronic statements). Best of all, E-Savvy Checking can be free – ask us how!


BaZing Benefits

All ACFCU checking accounts come with the benefits of BaZing! These include:

  • Roadside assistance

  • Mobile phone protection

  • Identity theft protection

  • Daily discounts and deals

  • And much more

Here are the advantages of each ACFCU Checking Account!

BaZing Includes all the bells and whistles of a 21st century account and unlimited check writing. Plus, this account pays interest on YOUR money! Includes unlimited check writing, free ACFCU logo checks, plus earn interest on YOUR money! If you're over 65, this may be the right account for you! Includes all the bells and whistles, account access 24/7/365, plus earn interest on YOUR money! If you use your debit card more than you write checks, this may be the right account for you!
ACCOUNT NAME PREMIER CHECKING SENIOR CHECKING E-SAVVY CHECKING
BaZing BENEFITS BaZing BaZing BaZing
MONTHLY/CYCLE FEE $5.95*
$5.95* $4.00*
Checking Accounts are able to meet requirements to waive monthly/cycle fees down to $0 or FREE.
INTEREST-BEARING Yes Yes Yes
CHECK WRITING Unlimited Unlimited Up to 5 Per Month/Cycle**
ATM/DEBIT CARD Yes Yes Yes
ONLINE BANKING Free Free Free
MOBILE BANKING Free Free Free
CHECKFREE ONLINE BILLPAY Free Free Free
REMOTE DEPOSIT CAPTURE Free Free Free
CHECK ORDERING 1st Box Free Free (ACFCU Logo Checks) Member Expense
COURTESY PAY PRIVILEGE Yes Yes Yes
Buy Down/Waive Fees Buy Down/Waive Fees Buy Down/Waive Fees
DIRECT DEPOSIT - $2.00 - $2.00 - $2.00
20 DEBIT CARD SWIPES PER MONTH/CYCLE - $2.00 - $2.00 - $2.00
E-STATEMENTS - $1.95 - $1.95 N/A***

*Checking Accounts are able to meet requirements to waive monthly/cycle fees down to $0 or FREE.
**$2.00 monthly fee will be assessed if more than MAXIMUM checks are processed during a given month/cycle.
*** eStatements required. $2.00 fee will incur unless signed up for eStatements within 2 statement cycles.


VISA Debit Card

An Alcoa Community Federal Credit Union VISA Debit Card allows you to pay for purchases at merchants displaying the VISA logo. This pay-as-you-go option also helps you avoid fees and reduces the need to carry cash or a checkbook.

Plus, your VISA Debit Card also can be used as an ATM Card, providing ready access to your cash anywhere in the nation, 24 hours a day, seven days a week, wherever you see the Cirrus or Pulse symbols.

To report lost or stolen debit cards after hours, please call 1.800.405.7068.

Pulse ATMs
Cirrus ATMs
 

Even More Convenience!

Alcoa Community Federal Credit Union ATM Locations:

  • Benton: Alcoa Community Federal Credit Union, 1125 Military Road

  • Benton: Murphy USA gas station, next to Walmart, 17305 Interstate 30

  • Bryant: Murphy USA gas station, next to Walmart, 403 Bryant Ave


Online Banking

Convenience at the click of a mouse.

Sign up for our Free Online Banking and manage your accounts at our Virtual Branch without ever leaving the comfort of your home. ACFCU provides a safe and secure online environment for all of your financial needs, and it’s available 24 hours a day, 7 days a week.

  • Pay bills

  • Transfer funds

  • View account history

  • Check account balances

  • See if checks have cleared

  • View check copies

  • Stop payment on a check

  • View online statements

Online Banking Instructions

  • Log-On ID: Member Number

  • Security Code: Last four of SSN

E-Statement Instructions

  • After signing into Online Banking

  • Click on Self Service tab at top

  • Choose E-Statements on right side

  • Accept “Terms and Conditions”


Free Online Bill Pay

Paying your bills online is faster and easier than you could ever imagine — and it’s free! Think of all the time and money you’ll save on buying stamps and stuffing envelopes. With ACFCU online bill pay, you can:

  • Schedule regular payments

  • View payment history

  • View, edit or delete scheduled payments