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Basic Checking asks members to keep a $500 daily balance to avoid a $5 monthly service fee. Falling below that balance still keeps your account open, just with the fee applied that cycle. Many members find this easier than tracking spending qualifications. Check your eligibility and open your account today.

Basic Checking carries a $5 monthly fee only when your daily balance drops below $500. Members who maintain that balance pay no fee at all, alongside free eStatements, online banking, and a Visa® Debit Card. AACU designed this account for straightforward, low-maintenance banking. Compare fee details against AACU's rewards checking options.

Yes, AACU members can switch from Basic Checking to Cash Back Rewards or Cash Rewards Checking anytime their spending habits change. The switch happens through online banking or with help from a branch team member, without closing your existing account number in most cases. Compare rewards checking accounts before you upgrade.

Every Basic Checking account includes a free Visa® Debit Card with the same nationwide acceptance as the rewards checking accounts. You also get access to mobile deposit, bill pay, and budgeting tools through online banking at AACU. The only difference is the absence of a rewards structure. Compare all checking accounts before you open yours.

Basic Checking members reach the same network of over 35,000 surcharge-free ATMs nationwide as any other AACU checking account. Shared branching also extends access to thousands of additional locations across the country. Your account type never limits your ATM network at AACU. Find nearby locations and ATMs before you travel or relocate.