Basic Checking

  • No monthly maintenance fee

  • No minimum balance requirements

  • Pay bills and manage money with Digital Banking

Advantage Checking

  • Earn 5.00% APY* on balances up to $10,000

  • Tiered rates for higher balances

  • No minimum balance is required to earn dividends

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Basic Checking

Simple and to the point, this hassle-free account delivers the solutions you need without any obstacles.

  • No monthly maintenance fees or minimum balance requirements 

  • Optional overdraft protection

  • Set up direct deposit and auto-pay deductions for automatic loan payments

  • Unlimited check-writing and no per-check charges

  • Monthly statements available in electronic form or paper

  • Automated Fraud Alerts

  • Debit card controls with Card Management

 

Advantage Checking

 

You work hard, and your money should, too! Open up our new Advantage Checking, and watch your earnings roll in on balances up to $10,000!* To qualify for the rate, you'll need to complete these items below monthly.

  • 18 or more qualified debit card transactions over $5 
    (posted in a calendar month)

  • At least $700 in electronic deposits (ACH/Mobile Deposit)

  • Enrolled in e-Statements

  • Same benefits as Basic Checking, but you'll earn 5.00% APY*

  • Tiered rates for balances higher than $10,000

  • No monthly fees or minimum balance to earn dividends

  • Receive your money up to 2-3 days early with Early Payday

  • Automated Fraud Alerts

  • Debit card controls with Card Management

*APY = Annual Percentage Yield.
Advantage One Credit Union limits the Advantage Checking product to one account per member social security number. To earn the advertised dividend for your Advantage Checking account, you must have: at least 18 Point-Of-Sale debit card transactions of $5 or more posted in a calendar month, $700 or more in electronic deposits (ACH or Mobile Deposit) posted in a calendar month, and be enrolled in eStatements. Balances over $10,000 will have tiered rates as follows: $10,000.01 = 0.30% APY, $25,000.01 = 0.40%, $100,000.01 = 0.50% APY. If you don't meet the qualifications for the advertised dividend, you will not be eligible to earn dividends for that month. Rates and terms are subject to change without notice. Dividends are paid on average daily balance, at the end of the month. No minimum balance to open the account or earn dividends. Fees may reduce earnings on the account. If the account is closed before dividends are credited, accrued dividends will not be paid. The annual percentage yield is accurate as of 09/01/2024. 

Get Paid Early

Our checking accounts offer Early Payday. Set up direct deposit into your AOCU checking account and you’re eligible to receive your money up to 2-3 days early*.

*Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2-3 days earlier than the scheduled payment date. Advantage One cannot guarantee early deposits in all cases.

Spend Confidently

Our checking accounts include a Visa® Debit Card, access to over 30,000 surcharge-free ATMs in the nationwide CO-OP Network, and Online and Mobile Banking to manage your money, pay your bills, and more.

 

Advantage Checking** Account Rates

Rates accurate as of

Advantage Checking** Account Rates
Account Balance APY*
$0.01 - $10,000 %
$10,000.01 - $25,000 %
$25,000.01 - $100,000 %
$100,000.01+ %

*APY = Annual Percentage Yield. APY is accurate as of date above.
**Advantage One Credit Union limits the Advantage Checking product to one account per member social security number. To earn the advertised dividend for your Advantage Checking account, you must have: at least 18 Point-Of-Sale debit card transactions of $5 or more posted in a calendar month, $700 or more in electronic deposits (ACH or Mobile Deposit) posted in a calendar month, and be enrolled in eStatements. If you don't meet the qualifications for the advertised dividend, you will not be eligible to earn dividends for that month. Rates and terms are subject to change without notice. Dividends are paid on average daily balance, at the end of the month. No minimum balance to open the account or earn dividends. Fees may reduce earnings on the account. If the account is closed before dividends are credited, accrued dividends will not be paid.