Smarter Checking. Higher Returns.

Our High Yield and Cash Back Checking Accounts offer competitive interest rates, no monthly fees, and a range of member-focused benefits, helping you grow your money while enjoying easy access to your funds. Whether you’re building your financial future or looking for a community-driven banking experience, our Credit Union Checking Accounts deliver exceptional service and peace of mind.

Each account includes a Mastercard® Debit Card, earns monthly dividends or cash back*, and provides convenient access through Online Banking and our mobile app, designed to meet the everyday needs of our members.

High Yield Checking

Start earning exceptionally high dividends today with our High Yield Checking Account — with no minimum balance required to qualify! Enjoy nationwide ATM fee refunds so you can access your money anytime, anywhere.* Take your savings even further by automatically sweeping your monthly rewards into our exclusive Saver Account and watch your earnings grow faster. Open your High Yield Checking Account now and put your money to work for you!

*See disclaimer for full details.

Cash Back Checking

Earn serious cash back every month on your ACFCU debit card purchases with our Cash Back Checking Account! There’s no minimum balance required to earn rewards and no monthly maintenance fees to worry about. Enjoy nationwide ATM fee refunds for even more savings,* and automatically sweep your monthly rewards into the Saver Account to grow your money faster. Open your Cash Back Checking Account today and start getting rewarded for everyday spending!

Cash Back® Enhanced Rewards

• Earn 6.00% cash back* on debit card purchases (up to $250/month)
• No purchase categories — spend freely
• Up to $180 cash back per year
• Nationwide ATM fee refunds (up to $25/month)
• Automatic savings with Saver® (rewards only)
• No minimum balance & no monthly fees
• Online & Mobile Banking, eStatements, and Debit Card
• Just $25 to open

Monthly Qualifications

✔ One direct deposit, ACH credit, or ACH payment
✔ 30 debit card purchases (minimum $5 each)
✔ Transactions must post and settle each cycle

*See disclaimer for full details.

*APY = Annual Percentage Rate. When your Kasasa Cash – Multi Level account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000 in your Kasasa Cash account earn a dividend rate of 5.8400% resulting in an APY of 6.00%; and daily balances over $15,000 earn a dividend rate of 0.2497% on the portion of the daily balance over $15,000, resulting in a range from 6.00% to 1.00% APY depending on the account's daily balance. When your Kasasa Cash – Multi Level account qualifications are not met during a Monthly Qualification Cycle, ATM withdrawal fees are not refunded and the entire daily balance in the Kasasa Cash - Multi Level account earns a dividend rate of 0.0499% resulting in an annual percentage yield of 0.05% APY.

When Kasasa Cash Back – multi level account qualifications are met during a monthly qualification cycle, you will receive 6.00% cash back on up to a total of $250 debit card purchases (POS transaction of $5.00 or more to qualify) that post and settle to the account during that cycle period. A maximum of $15 cash back payments may be earned per monthly qualification cycle. When Kasasa Cash Back-Multi Level account qualifications are not met, no cash back payments are made, and ATM withdrawal fees are not refunded.

You will also receive reimbursements up to the aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back-Multi Level account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.

*See disclaimer for full details.

Mastercard® Debit Cards

An Alcoa Community Federal Credit Union Mastercard® Debit Card allows you to pay for purchases at merchants displaying the Mastercard® logo. You can use your MasterCard® anywhere that a MasterCard® is accepted: restaurants, retail stores, grocery stores, airlines, hotels, etc. This card can be used in over 14.5 million locations worldwide. This pay-as-you-go option also helps you avoid fees and reduces the need to carry cash or a checkbook.

Plus, your Mastercard® Debit Card also can be used as an ATM Card, providing ready access to your cash anywhere in the nation, 24 hours a day, seven days a week, wherever you see the Cirrus or Pulse symbols.

To report lost or stolen debit cards after hours:

To report a lost or stolen debit card, call 1-800-610-2696.