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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!

Streamlined Efficiency: To optimize our card programs, we'll be transitioning debit cards from Shazam to Velera. This change will consolidate both debit and credit programs under one provider.

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.

Important Dates and Action Items:

  • New Card Delivery: Anticipate receiving your new debit card starting July 9th.

  • Activation and PIN Setup: Please activate your new green ACU debit card and establish a PIN on July 24th or after. Attempts to activate before this date will be unsuccessful.

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 starting Wednesday, July 24th. 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.


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.