Personal Checking Accounts

*An inactivity fee will be charged monthly for Savings and Checking only, with combined balances in the primary owner’s accounts of $100.00 or less, no activity for 6 consecutive months, account holder is age 22 or older, and not a borrower on a loan. The account will be closed when it reaches $0.00 balance.

Overdraft Protection Options

There are many reasons why members overdraw their checking accounts, ranging from direct deposit delays to simple math mistakes. American Eagle FCU offers three types of overdraft protection, all of which can help your checks clear even if your account is short of funds. Questions? Call our Member Contact Center at 800.842.0145.

• Overdraft Coverage from Savings automatically transfers available funds from your savings to checking account to cover an overdraft. To apply, visit an American Eagle FCU branch or call our Member Services Center.
• Overdraft Coverage from Visa automatically makes a payment from your credit union Visa account to cover an overdraft. A cash advance fee is charged for each overdraft transaction. To apply, fill out the Visa Overdraft Coverage application and mail, fax or bring it to American Eagle FCU.
• Checking Overdraft Privilege is activated for one-time debit card transactions after other coverage is exhausted. As long as your account is in good standing, we may honor overdraft transactions up to a maximum limit based on your type of checking account. A $35 fee is assessed for each item. You will then have 30 days to bring your account current. To apply, submit an Overdraft Privilege Opt-in form and read our Overdraft Services Consent and Discretionary Policy.

View the Terms and Conditions of all Checking accounts