Checking Accounts

Checking Choices

With an American Eagle FCU Checking Account, you have access to a variety of features to fit your lifestyle. All Checking accounts feature:

  • Surcharge-free transactions at over 60,000 ATMs displaying the Allpoint and SUM logo
  • FREE Visa® Debit Card
  • FREE Mobile Banking
  • FREE e-Statements
  • FREE Online Banking and Bill Pay
  • Unlimited check-writing
  • 24-hour account access by phone, online, or ATM
  • Overdraft Privilege on qualified accounts

 

 

MY Checking

Perfect for members who don't keep large balances in their Checking account and enjoy all the perks with no strings attached.

  • No minimum balance
  • No monthly service fee
  • No fee transactions at SUM and Allpoint ATMs (over 60,000 nationwide)

MY ULTIMATE CHECKING

Perfect for members who would like to earn interest on their account.

  • $25,000 Combined Deposit and/or Loan Balances required to avoid a fee
  • Earn Interest on Checking
  • Special Money Market Rate
  • No fee transactions at Network ATMs†
  • No fee transactions at SUM and Allpoint ATMs (over 60,000 nationwide)
  • Free overdraft transfer from my Ultimate Money Market
  • Free Money Orders and Bank Checks
  • International ATM Fees waived

† No ATM fee charged by AEFCU. Out-of-network ATMs may assess a surcharge fee.

Routing Transit Number

Checking Overdraft Coverage

Checking Overdraft Coverage is an optional service that links your Credit Union Checking account to your Credit Union Savings account or VISA® Credit Card to cover an overdraft checking overdrafts. Whenever you overdraw your checking account, Overdraft Coverage will activate to save you the expense of a bounced check fee and the hassle of dealing with the results.

Overdraft Coverage from Savings

Overdraft Coverage from Savings will automatically transfer available funds from your savings account to your checking account to cover the overdraft. A per transfer fee will be charged to your savings account. The transfer and fee will appear on your next statement. You will also receive written notice showing the date and amount of the transfer and fee. There is a limit of six automatic, pre-authorized or third-party transfers from your savings account per month.

Please visit any American Eagle FCU branch or call the Member Contact Center at 860.568.2020 or 800.842.0145, ext. 5101, to apply. There is no fee to apply.

Overdraft Coverage from VISA®

Overdraft Coverage from your VISA® automatically transfers a cash advance in the exact amount from your Credit Union VISA® account (up to your available VISA® credit limit) into your checking account to cover the overdraft. The transaction will appear on your next checking statement, as well as on your next VISA® statement. Credit card finance charges accrue from the date of the cash advance until fully paid. A cash advance fee applies. You also will receive a written notice showing the date and amount of the Visa® cash advance.

Complete the Visa Overdraft Coverage application and mail, fax, or bring it to the Credit Union. There is no fee to apply.

Checking Overdraft Privilege

Checking Overdraft Privilege is a service tied to your Credit Union Checking account that provides eligible members with the additional security of knowing their overdrafts will be paid. Overdraft Privilege is activated after other overdraft coverage has been exhausted. As long as your account remains in good standing, American Eagle will honor an overdraft transaction up to a maximum preset limit based on your type of checking account. An NSF fee will be assessed for each item that draws your account negative. You then have 30 days to bring your account current. This will save you the hassle and inconvenience of returned items as well as the fees normally charged to you by merchants. There is no fee to apply. Some restrictions apply. Contact a Credit Union representative for details.

Uniform Transfer to Minors Account (UTMA)

An UTMA is an irrevocable account which is managed by a Custodian. The Custodian authorizes all deposit and withdrawal transactions to the account(s) and is legally bound to manage the funds in the UTMA account. A minor may have several UTMA accounts established for him/her but these must be managed by only one Custodian. While a Custodian may be any adult, it is recommended that a parent or legal guardian only to act as Custodian for the minor. Exceptions may be handled on a case-by-case basis. Contact a Credit Union representative for details.

Revocable Living Trust

A Revocable Living Trust is a type of savings account established to prevent your estate from going to probate court upon your death. Ownership of the account is changed from an "individual" owner to that of an "entity." That is, your assets are essentially renamed and put in the name of the Trust. The entity or "Trust" becomes the account holder and as such may take advantage of any other products or services available to an individual account holder. Trust funds are controlled by the named trustee or trustees. You must go through an attorney to set up a Trust account. All trustees must be eligible for Credit Union membership in their own right. All assets defined by you must be converted to the Trust.

Member Account Information-Terms and conditions

Please click the link to view the Terms and Conditions of your account.