Choose a basic account or a loaded one
Find the checking account that fits your life.
Our checking accounts offer Early Payday. Set up direct deposit into your AOCU checking account and you’re eligible to receive your money up to 2-3 days early1.
Basic Checking
- No monthly maintenance fee
- No minimum balance requirements
- Pay bills and manage money with Online and Mobile Banking
- Access surcharge-free ATMs nationwide
- More Details
Advantage Checking
- Earn 4.00% APY1 on balances up to $10,000
- Tiered rates for higher balances
- No minimum balance required to earn dividends
- More Details
Checking Accounts
Our checking accounts include a Visa® debit card, access to over 30,000 surcharge-free ATMs in the nationwide CO-OP Network, and Online and Mobile Banking to manage your money, pay your bills and more.
Simple and to the point, this hassle-free account delivers the solutions you need without any obstacles.
- No monthly maintenance fees or minimum balance requirements
- Optional overdraft protection
- Set up direct deposit, and auto pay deductions for automatic loan payments
- Unlimited check-writing and no per-check charges
- Monthly statements available in electronic form or paper
- Automated Fraud Alerts
- Debit card controls with Card Management
Apply for a checking account within Online Banking.
You work hard, and your money should too! Open up our new Advantage Checking, and watch your earnings roll in on balances up to $10,000!1 To qualify for the rate, you'll need to complete these items below monthly.
- 18 or more qualified debit card transactions over $5 (posted in a calendar month)
- At least $700 in electronic deposits (ACH/Mobile Deposit)
- Enrolled in eStatements
- Same benefits as Basic Checking, but you'll earn 4.00% APY1
- Tiered rates for balances higher than $10,000
- No minimum balance to earn dividends
- Receive your money up to 2-3 days early with Early Payday
- Automated Fraud Alerts
- Debit card controls with Card Management
1APY = Annual Percentage Yield. Advantage One Credit Union limits the Advantage Checking product to one account per member social security number. To earn the advertised dividend for your Advantage Checking account, you must have: at least 18 Point-Of-Sale debit card transactions of $5 or more posted in a calendar month, $700 or more in electronic deposits (ACH or Mobile Deposit) posted in a calendar month, and be enrolled in eStatements. Balances over $10,000 will have tiered rates as follows: $10,000.01 = 0.20% APY, $25,000.01 = 0.25%, $100,000.01 = 0.30% APY. If you don't meet the qualifications for the advertised dividend, you will not be eligible to earn dividends for that month. Rates and terms are subject to change without notice. Dividends are paid on average daily balance, at the end of the month. No minimum balance to open the account or earn dividends. If the account is closed before dividends are credited, accrued dividends will not be paid. The annual percentage yield is accurate as of 03/01/2024. Fees may reduce earnings on the account.
