Checking Account Options

Product Name:

Everyday Checking

Product Description:

A hassle-free account with no strings attached.

Minimum Balance to Open:

$1.00

Earns Interest:

None

Monthly Service Charges:

$0.00*

Requirements to Avoid Service Charge:

None

Online & Mobile Banking:

 Yes

Debit Card:

 Yes

ATM Fees:

No-fee transactions at Allpoint and SUM Networks

Overdraft Privilege:

 Yes

Product Name:

Interest Checking

Product Description:

Earn interest on your balance and access money anytime.

Minimum Balance to Open:

$1.00

Earns Interest:

 Yes

Monthly Service Charges:

$20.00*

Requirements to Avoid Service Charge:

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

Online & Mobile Banking:

 Yes

Debit Card:

 

ATM Fees:

No-fee transactions at Allpoint and SUM Networks

Overdraft Privilege:

 Yes

Product Name:

Student Checking

Product Description:

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

Minimum Balance to Open:

$1.00

Earns Interest:

None

Monthly Service Charges:

$0.00*

Requirements to Avoid Service Charge:

None

Online & Mobile Banking:

 Yes

Debit Card:

 Yes

ATM Fees:

No-fee transactions at Allpoint and SUM Networks

Overdraft Privilege:

None

Product Name:

Fresh Start Checking

Product Description:

Re-establish your banking history with this easy-to-use option.

Minimum Balance to Open:

$1.00

Earns Interest:

None

Monthly Service Charges:

$8.00 without direct deposit*
$5.00 with direct deposit*

Requirements to Avoid Service Charge:

None

Online & Mobile Banking:

 Yes

Debit Card:

 Yes

ATM Fees:

No-fee transactions at Allpoint and SUM Networks

Overdraft Privilege:

None

*A $10.00 dormant fee will be charged annually for a Checking account that has not had activity in one (1) year or more and has a balance less than $100.00. A $5.00 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 22 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. A $10 fee is charged for overdraft transactions. 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