A no-frills account for powerful money management.
BasicChecking
Account Features
Enjoy a simple and convenient way to manage your money 24/7.
- Minimum daily balance of $500 required to avoid a $5 monthly fee
- 24/7 access to online & mobile banking
- Access to remote deposit, member-to-member transfers, and more through mobile banking
- Free bill pay, eStatements, Debit Mastercard®, budgeting tools, and more
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Set up direct deposit and get your paycheck up to 2 days sooner with Early Pay
Plus, get access to over 30,000 surcharge-free ATMs.
Can I join?
You don't have to be military to bank with us. There are hundreds of ways you can become a member!
Check EligibilityOverdraft Options
Life happens, but we've got you covered. If you overdraw your account, you can either pay us back or pay yourself back - choose what works for you.
Overdraft Protection - Overdraft Protection applies to all transactions and may help prevent overdrafts on your account. We'll automatically transfer funds (at no cost to you) to your eligible checking account from one of your other accounts or a line of credit you may have with us. The money goes to your checking account to make sure you have money to complete your transaction in real-time. No transfer fees, and no wait time.
For your convenience, we set up overdraft protection automatically when you open any checking account.
Premium Overdraft Services - We will cover the amount you overdraw in your checking account for a fee of $32 per transaction*. You have 30 days from the time of each transaction to pay back the overdrawn amount, plus the fee.
Already know what you want or need help deciding? Let's talk!
Call us today at 800.223.1983 and start enjoying the peace of mind protection brings!
Watch Your Money Grow
Whether you're saving for a new car, a vacation, or your next big adventure, we have options to make saving easy no matter the goal!
Explore Savings
Locations & ATMs
Find an AACU branch or ATM, or locate thousands of surcharge-free ATMs or shared branch locations in the U.S. and Canada.
Meet With A Financial Coach
You deserve answers to all your financial questions. If it's important to you, it's important to us. Let's talk about your goals!
Deposit Rates
Check out current rates for checking, savings, certificates, and IRAs.
Explore Checking Accounts
Not ready to commit? That's okay. Check out our other checking options - we know you'll find one that fits!