Checking Account Options

Product Name:

Everyday Checking

Product Description:

A hassle-free account for all your day-to-day needs.

Minimum Balance to Open:

$1.00

Monthly Service Charges:

$0.00*

ATM Information:

No-fee transactions at AEFCU, Allpoint and SUM Networks; otherwise $2.00. Other institution’s fee may vary.

Requirements to Avoid Service Charge:

None

Free Credit Report and Credit Monitoring:

 Yes
Sign up inside of Online/Mobile Banking.

Overdraft Privilege:

 Yes

Earns Interest:

None

Online & Mobile Banking, Mobile Check Deposit, Bill Pay and more:

 Yes

Debit Card:

 Yes
A portion of every purchase goes back to Community.

Additional Information:

Our most popular account!

Product Name:

Interest Checking

Product Description:

Earn interest on your balance and access money anytime.

Minimum Balance to Open:

$1.00

Monthly Service Charges:

$20.00*

ATM Information:

No-fee transactions at AEFCU, Allpoint and SUM Networks; otherwise $2.00. Other institution’s fee may vary.

Requirements to Avoid Service Charge:

$25,000 in combined daily deposit and/or loan balances.

Free Credit Report and Credit Monitoring:

 Yes
Sign up inside of Online/Mobile Banking.

Overdraft Privilege:

 Yes

Earns Interest:

 Yes

Online & Mobile Banking, Mobile Check Deposit, Bill Pay and more:

 Yes

Debit Card:

 Yes
A portion of every purchase goes back to Community.

Additional Information:

Members with this account are eligible for My Ultimate Money Market Account.

Product Name:

Student Checking

Product Description:

Ideal account for young adults (ages 13-22) just starting out.

Minimum Balance to Open:

$1.00

Monthly Service Charges:

$0.00*

ATM Information:

No-fee transactions at AEFCU, Allpoint and SUM Networks; otherwise $2.00. Other institution’s fee may vary.

Requirements to Avoid Service Charge:

None

Free Credit Report and Credit Monitoring:

 Yes
Sign up inside of Online/Mobile Banking.

Overdraft Privilege:

None

Earns Interest:

None

Online & Mobile Banking, Mobile Check Deposit, Bill Pay and more:

 Yes

Debit Card:

 Yes
A portion of every purchase goes back to Community. Reduced debit card limit.

Additional Information:

Parent, legal guardian, or adult family member (age 18 or over) required as joint owner if between ages of 13-17.

Product Name:

Simple Checking

Product Description:

Safe, affordable option with no “surprise” fees.
Learn more.

Minimum Balance to Open:

$1.00

Monthly Service Charges:

$5.00*

ATM Information:

No-fee transactions at AEFCU, Allpoint and SUM Networks; otherwise $2.00. Other institution’s fee may vary.

Requirements to Avoid Service Charge:

None

Free Credit Report and Credit Monitoring:

 Yes
Sign up inside of Online/Mobile Banking.

Overdraft Privilege:

None

Earns Interest:

None

Online & Mobile Banking, Mobile Check Deposit, Bill Pay and more:

 Yes

Debit Card:

 Yes
A portion of every purchase goes back to Community. Reduced debit card limit.

Additional Information:

Personal checks aren’t offered with this account. Bank checks can be purchased, as needed, in any AEFCU branch.

 
Early Direct Deposit

Get your payment up to two days earlier by enrolling in direct deposit.

  • Sign up for direct deposit through your payroll, pension, Social Security, and tax refunds.
  • Once you set up your direct deposit, there is nothing that you have to do to enroll.
  • Safe, easy, and no cost!
 
Download Our App

Our app gives you instant access to your accounts. It's banking-on-the-go!

  • Deposit checks from your phone or tablet
  • Transfer funds and pay bills
  • Open an account or apply for a loan
 
Deposit A Check

Securly deposit a check 24/7 from anywhere.

  • Sign the check
  • Select "Deposit a Check" on the Mobile app
  • Follow along to deposit your check

*An inactivity fee will be charged monthly for Savings and Checking only with combined balances of less than $100.00, no activity for 6 consecutive months, account holder is age 21 or older, and account holder is 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