Checking Accounts

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You make the choice — we'll make your money work harder for you. We know checking varies from generation to generation. But we also realize that you and your fellow members have a goal in common — the absolute best value on checking.

Compare Products

  • Amount To Open:
  • Monthly Fee:
  • Minimum Balance:
  • Overdraft Protection Available:
  • VISA ATM/Debit Card:
  • AlabamaCU Debit Reward Points:
  • Free Online & Mobile Banking:
  • Free SMS Text Alerts:
  • Free Electronic Bill-Pay:
  • Free Call 24 Electronic Teller:
  • Free e-Statements:

Just Rewards

A free checking account made with seniors in mind.

  • $0
  • $0
  • $0
  • Feature included
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Pink Ribbon

Help a worthy cause when you write checks.

  • $0
  • $24 (Annual Donation)
  • $24
  • Feature included
  • Feature included
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  • Feature included

Fix It Checking

For those who have had a prior problem with a checking account.

  • $200
  • $0
  • $200
  • Feature included
  • Feature included
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Free Checking

Notice how some banks hide the word "fee" inside of FREE? There are NO surprises at Alabama Credit Union. It's your money, and we won't charge you crazy fees to use it. 

  • Receive a carbonless copy of every check.
  • Get detailed monthly statements via mail or enjoy convenient e-Statements.
  • Keep up-to-date on account activity by going online to ACUiBranch®, using ACUmBranchSM app on your smartphone or by phone using Call24 Electronic Phone Teller
  • Rely on the peace of mind of ACU Oops! PaySM - in case funds are out of balance.
  • MasterCard® ATM/Debit Card with no fee for debit transactions at Alabama Credit Union - operated ATMs.
  • Access to over 28,000 CO-OP ATMs. 
  • Free Electronic Bill-Pay that allows you to skip the stamps and pay online.
  • Choose custom-designed checks.

Just Rewards

Just Rewards FREE checking was designed especially for our members 50 years or older who have direct deposit. You can bank on these savings from Alabama Credit Union:

  • Up to two boxes of FREE checks* per year.
  • Keep up-to-date account activity by going online to ACUiBranch®, using ACUmBranchSM app on your smartphone.
  • FREE access to Call24 Electronic Phone Teller.
  • FREE e-Statements (notification sent directly to your e-mail address).
  • MasterCard® ATM/Debit Card with no fee for debit transactions at Alabama Credit Union - operated ATMs.
  • Access to over 28,000 CO-OP ATMs. 
  • FREE Electronic Bill-Pay that allows you to skip the stamps and pay online.
  • No monthly service fees, no minimum monthly balance requirements and no per-check fees. 

Pink Ribbon

Help a worthy cause when you write a check.

Through our Pink Ribbon Checking account, you can help stamp out breast cancer by creating much-needed funding for research and awareness. Your Pink Ribbon Checking account works the same as our FREE Checking account, except there is a small yearly donation of $24 deducted from your account that will be sent to the Susan G. Komen Foundation to help fight breast cancer. On top of that, Alabama Credit Union will match every member's donation with an additional $12 -- for a total of $36 per year, per account. 

Plus, to show that you support finding the cures for breast cancer, you can purchase Pink Ribbon checks and a portion of the proceeds support the Y-ME Breast Cancer Organization and the Cancer Therapy and Research Center (CTRC).

Chances are, you have been affected by breast cancer. Here at the facts* you need to know:

  • Breast cancer is the most common cancer in women worldwide.
  • The American Cancer Society estimates that in 2012, about 226,870 women will be diagnosed with invasive breast cancer and about 39,510 will die from breast cancer.
  • The majority of breast cancer cases are "sporadic," meaning there is no direct family history of the disease.
  • 1 in 8 women (12%) will develop breast cancer in her lifetime.
  • Breast cancer is the second-leading cause of cancer death in women.
  • There are 2.5 million breast cancer survivors living in the U.S.

*Statistics obtained August 2012, from  Susan G. Komen For The Cure.

Fix It Checking

Does a previous checking account history prevent you from opening a new checking account?

After you have repaid any amounts due other financial institutions for your previous checking account(s) and completed our mandatory online class to help you learn to manage your new checking account, you may be eligible to open a Fix It Checking account with a low minimum balance, customized checks and a MasterCard® ATM/Debit Card.

To qualify for an Alabama Credit Union checking account you must first become an ACU member by opening a savings account. 

*New Member Offer: Alabama Credit Union will deposit $50 (“Award”) to the share savings account of a qualified New Member after the New Member opens a Share Savings account, Regular Checking or Just Rewards Checking account, and MasterCard ATM/Debit Card account, and initiates direct deposit to the account. For purpose of this promotion, a New Member is defined as a person/accountholder who is eligible for membership, does not have an existing account at Alabama Credit Union, has never caused a loss to Alabama Credit Union, and opens the required accounts. The Award will be credited after the direct deposit is posted to the account. Award will be paid to one account only if a jointly owned account or additional jointly owned account is opened. If qualifying accounts are closed within 180 days from account opening, the Award will be charged to the account and reclaimed by Alabama Credit Union. Fees and Opening Deposit: A $1 membership fee is required to open a Share Savings account. Minimum deposit requirements exist for deposit account products; refer to the Alabama Credit Union Truth In Savings disclosure, Alabama Credit Union Schedule of Fees and Charges, and Alabama Credit Union Membership & Account Agreement given to you at account opening for details, or visit AlabamaCU.com. Eligibility: Membership eligibility required. Not eligible to participate in this offer: Alabama Credit Union employees and persons in their households; persons under 19 years of age; Billy Bear Cubs Club accountholders, Future Billionaire Academy accountholders, UA or UAHuntsville Student accountholders, and Fix-It Checking accountholders. This credit union is federally insured to $250,000 by National Credit Union Administration. Additional coverage up to $250,000 is provided by Excess Share Insurance Corporation.