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Account Features

Earn 3.00% cash back on up to $300 of debit card purchases each month 1 You could earn up to $9 per month, $108 per year 1

  • No category restrictions
  • No minimum deposit to open
  • No minimum balance requirement and no monthly service fees
  • 24/7 access to online & mobile banking 
  • Free bill pay, eStatements, Debit Mastercard®, budgeting tools, and more
  • 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 Eligibility



Earn 3.00% each month with a few simple requirements 1   

1. Make at least 12 debit card purchases per month

2. Have at least 1 direct deposit transaction or automatic payment per month

3. Choose to receive free eStatements

Start Earning

What if I don't meet the requirements? Don’t worry. Each month is a new chance to qualify!



Overdraft 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.

Get More Details*

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!



1 Qualifications: (a) Post and clear at least one direct deposit or pre-authorized ACH (b) post and clear twelve or more purchase transactions using your debit card and (c) enroll to receive your periodic statements electronically during the monthly periodic statement cycle. Account transactions and activities may take one or more days to post and clear to the account and all must do so during the monthly periodic statement cycle in order to qualify for the account’s rewards. When your Cash Back Rewards Checking account qualifications are met during a monthly periodic statement cycle, the following rewards will be distributed to your account on the last day of the month. You will receive 3.00% cash back on up to a total of $300.00 debit card purchases that post and clear to the account during the qualifying monthly periodic statement cycle. A maximum of $9.00 cash back may be earned per monthly periodic statement cycle.

Rewards are variable and may change after account is opened. Fees may reduce earnings. Terms and conditions subject to change. Membership requirements apply.

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