You Deserve it!

Get $250 with a New Free Rewards Checking Account!^¹

Local Offer

Getting $250 is Easy!

Open a new free Rewards Checking account with an opening deposit of at least $200 and complete the following actions within 90 days from account opening:

Complete at least one debit card purchase transaction
Make at least $1,500 in qualifying direct deposits ²

Find your Rewards Checking Account!

Cash Back Rewards Checking

Get 10.00% cash back on everyday purchases ³

Get up to $300 cash back per year or $25 per month^³
Refunds on ATM withdrawal fees, nationwide^³
24/7 account access with free online and mobile banking, free online bill pay, and free eStatements
No minimum balance to earn rewards, no minimum deposit to open

Start Online

Cash Rewards Checking

Earn 1.25% APY ⁴ on balances up to $15,000 ⁵

Earn high rates, paid each month
Refunds on ATM withdrawal fees, nationwide^⁵
24/7 account access with free online and mobile banking, free online bill pay and free eStatements
No minimum balance to earn rewards, no minimum deposit to open

Start Online

Prefer to open your account in person?

No problem! Visit any branch location and mention promo code: LOCALBONUS.

Find A Branch

Opening Online? Don't Forget Your Promo Code.

After you submit your online application, a Member Service Representative will contact you to complete your accounting opening. Be sure to mention promo code LOCALBONUS during that conversation to get this offer.

First-Time Homebuyer Program

With down payments as low as 1%, affordable homeownership is within reach!

Program Details

Flexible Down Payment Options - Choose from 1%, 2%, or 3% down payment options*
No Mortgage Insurance - Say goodbye to additional insurance costs
Gifted Funds Accepted - Utilize gifted funds to assist with your home purchase

Let Your Journey Begin!

Explore More^*

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Disclosures

¹ To receive the $250 bonus, open a Cash Rewards Checking account or a Cash Back Rewards Checking account and: (a) open a new rewards checking account with a minimum opening deposit of $200; (b) have your qualifying direct deposit post to your account; Examples of qualifying direct deposits include, but are not limited to: payroll, Social Security, pension and government benefits. Deposits made through a teller, Zelle® transactions, ATM, or the AACU mobile app are ineligible direct deposits. Direct deposit must be recurring and must total at least $1,500 within the first 90 days of account opening. (c) post and clear one purchase transaction with your Visa® Debit Card within 90 days of account opening. Bonus will be credited into your rewards checking account within 60 business days after meeting the requirements. Offer valid on personal accounts only and limited to 1 account per member. Bonus is considered taxable income. Must mention offer at time of account opening or use the provided link on the AACU website for bonus eligibility. Offer not available for existing Rewards Checking account holders, or members with accounts closed within the past 180 days or closed with a negative balance within the last three years, or any individual who has previously received an AACU checking reward and/or bonus. Accounts closed within 180 days of account opening will be charged a $25 early closure fee. Cannot be combined with another checking account offer or used for an existing checking account. Offer availability subject to change. Restrictions and requirements apply. Must be a Colorado resident to qualify.

² Examples of qualifying direct deposits include, but are not limited to: payroll, Social Security, pension and government benefits. Deposits made through a teller, Zelle® transactions, ATM, or the AACU mobile app are ineligible direct deposits. Direct deposit must be recurring and must total at least $1,500 within the first 90 days of account opening.

³ 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 10.00% cash back on up to a total of $250.00 debit card purchases that post and clear to the account during the qualifying monthly periodic statement cycle. A maximum of $25.00 cash back may be earned per monthly periodic statement cycle. ATM fee refunds limited to $4.99 per item and $25.00 per monthly periodic statement cycle. Terms and conditions subject to change.

⁴ Annual Percentage Yield (APY) effective 06/12/2026. Accurate as of the last dividend declaration date.

⁵ 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 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. Balances up to $15,000.00 earn an APY of 1.25%; and balances over $15,000.00 earn 0.15% APY on the portion of balance over $15,000.00. ATM fee refunds limited to $4.99 per item and $25.00 per monthly periodic statement cycle. Terms and conditions subject to change.

Limited Time Offer. Subject To Change.

Get $250 with a New Free Rewards Checking Account! 1