Get 10.00% cash back1 on every purchase up to $250 per month with no category restrictions! This means up to $25 back into your account each month.
Earn 1.25% APY on your balance up to $15,0002 with no minimum balance to earn rewards!
| Cash Rewards Checking | Cash Back Rewards Checking | Basic Checking | |
|---|---|---|---|
| Benefit | 1.25% APY on balances up to $15,000 2 | 10.00% Cash Back on debit card purchases up to $250 monthly 1 | None |
| Minimum To Open | None | None | None |
| Monthly Service Fee | None | None | None with daily balance of $500.00 3 |
| Free Visa® Debit Card | | | |
| ATM Fee Refunds 4 | | | |
| Free eStatements | | | |
| Free Online & Mobile Banking | | | |
| Free Online Bill Pay | | | |
| Overdraft Protection | | | |
| 24/7 Access | | | |
| Virtual Wallet | | | |
Checking - AACU Checking Account FAQs
Cash Back Rewards Checking pays 10% cash back on up to $250 in monthly debit card purchases when you meet the account's qualifications. Cash Rewards Checking instead pays 1.25% APY on balances up to $15,000. AACU members pick one based on spending habits versus saved balance. Check your eligibility and open the account that fits.
Cash Back Rewards and Cash Rewards Checking both carry no monthly service fee and no minimum balance requirement. Basic Checking waives its $5 monthly fee once you maintain a $500 daily balance. Every option includes free eStatements and online banking. Review Basic Checking's fee details before choosing.
Yes, AACU lets you open any checking account entirely online through a secure application. You'll need a government ID, Social Security number, and a small opening deposit. Most members finish the process in one sitting from a phone or computer. Check your eligibility and start your online application today.
Missing a monthly requirement on Cash Back or Cash Rewards Checking simply means you skip that month's reward. Your account stays open with no penalty, and qualifications reset the next billing cycle. AACU designs these accounts so every month brings a fresh chance to earn. Review qualification details before you apply.
Cash Back Rewards and Cash Rewards Checking require no minimum balance to open or maintain. Basic Checking asks for a $500 daily balance only to avoid its monthly fee. Review Cash Rewards Checking, which also requires no minimum.
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 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.
2 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.
3Minimum daily balance of $500.00 required to avoid a $5.00 monthly fee.
4ATM fee refunds limited to $4.99 per item and $25.00 per Periodic Statement Cycle when account qualifications are met.
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All cards issued by Air Academy Credit Union pursuant to a license from Visa USA Inc.