Checking Accounts
Cha-Ching Rewards Checking
Turn your checking account into a money maker with Cha-Ching Rewards Checking! Earn 3.00% APY* (When qualifications are met). That's up to $25 per month that Advantage Credit Union pays you! No minimum balance. No monthly fees. In addition to a great dividend, you'll also qualify for up to $10 per month in ATM surcharge fee rebates.
Open to both new members and current members!
If you are a current member and would like to convert your existing checking account to a Cha-Ching Rewards Checking, click the link to convert your account.
If you are not a current member but would like to be, become a member now.
How to Qualify:
Make 12 debit card purchases
Login to online banking at least four times
Have one direct deposit
Have one automatic withdrawal via ACH
Enroll in e-Statements
*APY is Annual Percentage Yield. Rewards interest paid on balances $0-$10,000. Non-qualifying accounts and balances over $10,000 will receive .10% APY. Credit union membership is required in order to open any share draft/checking account. Minimum opening deposit of $20 required. The annual percentage yield may change monthly as determined by the board of directors. Fees may reduce earnings on account. APY is accurate as of last interest declaration date.
Cash Back Checking
Let the purchases you make pay you back with Cash Back Checking! Earn 1.00%* cash back on EVERY PURCHASE!! (When qualifications are met) No minimum balance. No monthly fees. In addition to cash back, you'll also qualify for up to $10 per month in ATM surcharge fee rebates.
Open to both new members and current members!
If you are not a current member but would like to be, become a member now.
How to Qualify:
Make 20 debit card purchases
Login to online banking at least four times
Enroll in e-Statements
*Maximum reward is $5 per month. Amount paid out each at the end of each month. Cash back rate may change monthly as determined by the board of directors. APY is accurate as of last interest declaration date.
Advantage Classic
Free checking, the way it should be. With no monthly fees, no per-check fees, and no minimum balance to maintain. With just the minimum opening deposit of $20.00, you can have all the benefits of a checking account with none of the hassles. Open your Advantage Classic Checking Account today!
Advantage Plus
For members who like to keep a higher balance in their checking account and earn interest, Advantage Plus allows both! Members earn monthly interest on this checking account with a minimum opening deposit of $2,000. A minimum balance of $1,000 is required to avoid a $5.00 monthly fee.
Visa® Debit Card
Important Update Regarding Your Advantage Credit Union Debit Card
We're excited to announce upcoming enhancements to your Advantage Credit Union debit card experience!
Enhanced Security and Convenience:
Tap-to-Pay Technology: Your new card will boast contactless payment capabilities, allowing for swift and secure transactions at terminals displaying the contactless symbol. Simply tap your card, and you're done!
Elevated Security Features: For increased protection, your card information will be located on the back instead of the front. Additionally, your new card will gain access to the Co-Op ATM network, granting you surcharge-free access to over 30,000 ATMs nationwide, alongside our existing free ACU ATMs.
Following Activation:
Update Recurring Payments: Update your online subscriptions (Netflix, Amazon Prime, etc.) with your new card information.
Digital Wallet Compatibility: Link your new card to your preferred digital wallet (Google Pay, Apple Pay, Samsung Pay) for even more convenient transactions.
We're Here to Help!
If you have issues activating your new card, please call 833-224-7420. They will be able to assist you in getting your card set up. If you need additional assistance, you may call the credit union and speak to one of our Member Service Representatives.
We appreciate your understanding and look forward to providing you with a more streamlined and secure debit card experience.
Google and Apple Pay Now Available!
If you have an ACU Visa Debit Card, you can now use iPhone’s Apple Pay to make your checkout experience even easier! Simply download the app through the App Store, register your card, and start purchasing.
Android users can utilize Google Pay and Samsung Pay through the Play Store.
These new payment systems are accepted at many major retailers and are expanding rapidly.
Fast and One-Step Easy…
Forget having to round up your checkbook, a pen, and two forms of ID! With VISA Debit Card, purchases are as simple as using a credit card!
Convenient and Easy to Use…
From withdrawing cash, buying some new clothes, paying for a nice dinner, or paying for gas at the pump, your VISA Debit Card is a convenience that you won’t want to do without!
All new issued check cards come equipped with the latest EMV Chip Card technology.
Two Cards in One…
You can sign for purchases anywhere Visa is accepted. You will be given a daily purchase limit at the time of your account opening. You may also enter a PIN number at numerous stores to make purchases. You may withdraw cash or make deposits via an ATM.
Your Visa Debit Card is on the SHAZAMⓇ Privileged Status ATM network. This network allows you to make withdrawals, transfer funds, and make deposits where applicable. Your Privileged Status allows you to make 10 FREE ATM transactions per month at qualifying ATMs. Find a SHAZAMⓇ Privileged Status ATM.
Debit Card Round Up
Debit Card Round Up...We Make Someday Happen!
Are you one of the many people that carry cash less often? Does your piggy bank gather dust because you don't have the spare change to fill it up? We have the solution for you!
Automatically rounds all debit card transactions requiring your PIN number to the next dollar and deposits the remaining funds into a savings account.
Allows you to save small amounts each day.
Completely FREE* service to all of our members!
Average savings of $6.27 per week, over $325 per year!
Example: You make a purchase at the grocery store in the morning in the amount of $2.90, then purchase lunch for $6.20, followed by another purchase in the amount of $24.50. That evening, $1.40, the leftover change from all three transactions, will be deposited into your savings account.
*Free service to all members with active checking account with debit card.
Give A Dime
Donate to local non-profits with every debit card purchase!
We're excited to announce the launch of our new Give a Dime program! This service allows you to make a significant impact on our community with every debit card purchase.
How It Works:
Round Up: Simply opt-in to round up your debit card purchases to the nearest dollar.
Donate: The difference between your purchase amount and the rounded-up amount will be donated to one of five local charities (your choice)!
Impact: Your small contributions can add up to big changes in our community.
Choose Your Charity:
United Way of Jasper County: The United Way of Jasper County aims to create a thriving community by focusing on healthy living, youth success, financial stability, and community resilience. They achieve this by uniting individuals and resources through partnerships and collaborative efforts, encouraging everyone to "Live United" for a stronger Jasper County.
Salvation Army of Newton: The Salvation Army of Newton provides social services to the community, including food assistance, youth programs, and disaster relief.
Food Bank of Iowa: The Food Bank of Iowa is a non-profit organization that provides food assistance to people in need across the state. They operate a network of food pantries and other programs to help individuals and families access nutritious food.
Newton Community School District: Donations to the Newton Community School District directly support the NCSD lunch program, so that no child has to go hungry while they learn.
Discover Hope 517: Discover Hope 517 is a faith-based non-profit organization dedicated to providing recovery and restoration for those struggling with addiction. They offer a variety of services, including support groups, meal services, and recovery programs.
How to Enroll:
In online banking, select "Debit Card Round Up".
Choose which account you would like to connect to Give A Dime. All checking accounts are eligible.
Select "I would like to donate purchase round-ups on my debit card." Choose a recipient for your Give A Dime donations. Your debit card transactions will automatically round up to donate at the end of each business day.
Tax reporting features are not included as part of the Give A Dime Program. Donated funds will not be refunded.
Free Bill Pay Included
Looking for an easy way to simplify your life? EasyPay Bill Payment can help you do just that. With our Bill Pay service, you can receive and pay your bills online with a click of a mouse or a tap of your touchscreen. Pay any bill, including your house payment, your utilities company, even your babysitter at any time, from anywhere. Just click the "Pay Bills" button once you're logged in to It's Me 247.