Checking

Discover the Perfect Checking Account for Your
Financial Health

Share Draft Account
Checking Account

Benefits Include:

  • No minimum balance requirements
  • No monthly fees, charge per draft, or hidden service charges
  • 24/7 Online Banking and electronic Bill Pay
  • Free Mobile Banking and Mobile Check Deposit
  • Complimentary checks for members 55 years of age or older
  • Overdraft Protection available and Courtesy Pay available to qualified members
  • MasterCard debit cards are available upon approval
  • The regular share draft account does not pay dividends.
  • A dividend bearing share draft account is also available. Dividends on this account will be paid at a rate approved by the Board of Directors by vote at the monthly meetings. Dividends are paid on the average daily balance and posted on the last day of each month.
  • A credit report may be run to verify the member’s credit worthiness before a share draft account is opened.

Advantage Plus Cash Checking Account
You already spend money, why not be rewarded for it?

Monthly Rewards Include:

  • 3.299% APY* (on average daily Advantage Plus Cash Checking Account balances up to $10,000.00)
  • ATM Surcharge Fee Refund (up to $25.00/month)

Monthly Rewards Qualifiers Include:

  • E-Statement Enrollment
  • Web Banking Enrollment (and 1 or more valid login)
  • Direct Deposit Enrollment (and an aggregate deposit of $500.00 or more)
  • ACH Withdrawal (for $100.00 or more)
  • (10) Debit Card Transactions (for $25.00 or more each)

Qualifiers must be met on a month by month basis to get monthly rewards.

Monthly Bonus Reward:

  • $0.10 Per Debit Card Transaction (up to $5.00/month)

Monthly Bonus Reward Qualifiers Include:

  • All Monthly Qualifiers
  • Loan on File (and payments are current)

Qualifiers must be met on a month by month basis to get monthly bonus reward.

*Annual percentage yield. APY accurate as of Wednesday, May 1st, 2024, and subject to change without notice before or after signing up for the program. The regular dividend bearing share draft account yield will apply to average daily balances greater than $10,000.00. The weighted average of the yield on balances up to $10,000.00 and on balances greater than $10,000.00 will apply. Prior to opening a checking account, member must have an ACT 1st Federal Credit Union savings account with at least $5.00 on deposit. Interest-bearing checking account dividends are calculated on the average daily balance, and compounded and posted monthly. Fees, if any, may reduce earnings. Yield applies when dividend is reinvested into the account. Membership eligibility requirements apply. Other restrictions and requirements apply. Program details subject to change.

All branches will be closed Monday, May 27th, 2024 to observe Memorial Day. You can bank with us anytime, anywhere with our Mobile App or Advantage Plus Online Banking!