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The top three new checking accounts are interest-earning accounts with BaZing benefits. The new Premier checking account offers the latest technology for those who enjoy writing checks. The new Senior checking account is for those 65 and over who want the latest technology and free logo checks. The eSavvy checking account is geared toward those who want the ultimate technology-friendly banking experience.

So, what exactly are BaZing benefits? With BaZing, you get cell phone protection, roadside assistance, identity theft protection, discounts and deals, and a lot more!

CELL PHONE PROTECTION
Just pay your cell phone bill with your BaZing checking account, and you’re covered. If your phone is broken or stolen, we’ll pay to have it replaced, up to $400 per claim (maximum of $800 per year).

ROADSIDE ASSISTANCE
Lock your keys in your car? Car won’t start? Roadside assistance is available 24/7. It’s free to use, up to $80 in service charges.

IDENTITY THEFT PROTECTION
If your payment cards (credit/debit) are lost or stolen, you have a personal fraud specialist ready to assist you. Reimbursement up to $2500 for covered expenses you incur to restore your identity. Unlimited access to personal fraud specialists who provide identity recovery and restoration assistance.

DISCOUNTS AND DEALS
The free BaZing mobile app has discounts near you, plus thousands of local deals across the U.S.

ACFCU now offers Checking Account with BaZing benefits! Call or come by today to find out more about BaZing benefits.

 

  Includes all the bells and whistles of a 21st century account and unlimited check writing. Plus, this account pays interest on YOUR money!

Includes unlimited check writing, free ACFCU logo checks, plus earn interest on YOUR money! If you're over 65, this may be the right account for you!

Includes all the bells and whistles, account access 24/7/365, plus earn interest on YOUR money! If you use your debit card more than you write checks, this may be the right account for you!

 

ACCOUNT NAME PREMIER CHECKING SENIOR CHECKING E-SAVVY CHECKING
 BaZing BENEFITS      
MONTHLY/CYCLE FEE $5.95* $5.95* $4.00*
INTEREST-BEARING YES YES YES
CHECK WRITING UNLIMITED UNLIMITED UP TO 5 PER MONTH/CYCLE**
ATM/DEBIT CARD YES YES YES
ONLINE BANKING FREE FREE FREE
MOBILE BANKING FREE FREE FREE
CHECKFREE ONLINE BILLPAY FREE FREE FREE
REMOTE DEPOSIT CAPTURE FREE

FREE

FREE
CHECK ORDERING 1ST BOX FREE FREE (ACFCU LOGO CHECKS) MEMBER EXPENSE
COURTESY PAY PRIVILEGE YES YES YES
  BUY DOWN/WAIVE FEES BUY DOWN/WAIVE FEES BUY DOWN/WAIVE FEES
DIRECT DEPOSIT ($2.00) ($2.00) ($2.00)
20 DEBIT CARD SWIPES PER MONTH/CYCLE ($2.00) ($2.00) ($2.00)
E-STATEMENTS ($1.95) ($1.95) N/A***

*Checking Accounts are able to meet requirements to waive monthly/cycle fees down to $0 or FREE.

**$2.00 monthly fee will be assessed if more than MAXIMUM checks are processed during a given month/cycle.

*** eStatements required. $2.00 fee will incur unless signed up for eStatements within 2 statement cycles. 

So what is a credit union, anyway? Although both credit unions and banks provide similar services to consumers, credit unions are nonprofits, while banks are for-profit organizations.

That single difference is the foundation for most of the others. When a company exists primarily to generate profit, its core operations are organized around maximizing that profit for return to its ownership.

A credit union, though, exists in principle to serve a community of people tied by a “bond of association,” which may be based on geographical region, employer, membership in another association, faith or other factors.

Credit unions serve that community by providing financial products to their members with the most favorable terms they can afford to offer. Instead of offering accounts to customers and large dividends to a small group of owners, as banks do, credit unions offer small dividends — and discounted loan rates, reduced fees and other benefits — to a large group of members. Credit union members are, in that sense, both customers and owners.

The new ACFCU mobile app for your smartphone and tablet is now available in the Apple App Store and Android Marketplace! Go to the app store and enter the search term: Alcoa Community.  The name of the app is CU Anywhere Mobile Banking.

Bank whenever and wherever you want with the features you need for getting things done and security that helps give you peace of mind. Our new Mobile Banking app puts secure banking in the palm of your hand.

In addition to the basic features of checking your balances, transferring money between accounts, and paying bills, the ACFCU mobile app will give you the ability to make person-to-person payments and make deposits from your phone.

You’re secure on the go. We never store personal or account information on your phone. All transactions are encrypted with the same secure technology as online banking. The login process is the same as in online banking with security codes as an added layer of protection when you login from a computer or device we don’t recognize.

For assistance with the new mobile app, call Alcoa Community Federal Credit Union today at (501) 315-5626.

One lingering misconception about credit unions is that they are less accessible than their megabank counterparts. Recent data, however, proves this is completely false. In fact, the CO-OP Shared Branch network now checks in at third place for number of branches available nationwide. That’s right: Credit unions today offer more locations than Bank of America (and access to over 30,000 ATMs through CO-OP which is more than any of the big banks offer).

Credit union members who are between institutions, or are traveling and nowhere near their home branch, can conveniently visit another credit union’s location without worry of being charged out-of-network fees. They may perform a number of account-related transactions.

Click here to watch a video about how Shared Branching works or to Find a Shared Branching Location.

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