Basic Checking
No monthly maintenance fee
No minimum balance requirements
Pay bills and manage money with Digital Banking
Advantage Checking
Earn 5.00% APY¹ on balances up to $10,000
Tiered rates for higher balances
No minimum balance is required to earn dividends
Basic Checking
Simple and to the point, this hassle-free account delivers the solutions you need without any obstacles.
No monthly maintenance fees or minimum balance requirements
Optional overdraft protection
Set up direct deposit and auto-pay deductions for automatic loan payments
Unlimited check-writing and no per-check charges
Monthly statements available in electronic form or paper
Automated Fraud Alerts
Debit card controls with Card Management
Advantage Checking
You work hard, and your money should, too! Open up our new Advantage Checking, and watch your earnings roll in on balances up to $10,000! To qualify for the rate, you'll need to complete these items below monthly.²
18 or more qualified debit card transactions over $5
(posted in a calendar month)At least $700 in electronic deposits (ACH/Mobile Deposit)
Enrolled in e-Statements
Same benefits as Basic Checking, but you'll earn 5.00% APY¹
Tiered rates for balances higher than $10,000
No monthly fees or minimum balance to earn dividends
Receive your money up to 2-3 days early with Early Payday
Automated Fraud Alerts
Debit card controls with Card Management
Advantage Checking Rates²
Rates accurate as of
| Account Balance | APY1 |
|---|---|
| $0.01 - $10,000 | % |
| $10,000.01 - $25,000 | % |
| $25,000.01 - $100,000 | % |
| $100,000.01+ | % |
1APY = Annual Percentage Yield. APY is accurate as of date above.
2Advantage One Credit Union limits the Advantage Checking product to one account per member social security number. To earn the advertised dividend for your Advantage Checking account, you must have: at least 18 Point-Of-Sale debit card transactions of $5 or more posted in a calendar month, $700 or more in electronic deposits (ACH or Mobile Deposit) posted in a calendar month, and be enrolled in eStatements. If you don't meet the qualifications for the advertised dividend, you will not be eligible to earn dividends for that month. Rates and terms are subject to change without notice. Dividends are paid on average daily balance, at the end of the month. No minimum balance to open the account or earn dividends. Fees may reduce earnings on the account. If the account is closed before dividends are credited, accrued dividends will not be paid.
Get Paid Early
Our checking accounts offer Early Payday. Set up direct deposit into your AOCU checking account and you’re eligible to receive your money up to 2-3 days early.¹
1Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2-3 days earlier than the scheduled payment date. Advantage One cannot guarantee early deposits in all cases.
Spend Confidently
Our checking accounts include a Visa® Debit Card, access to over 30,000 surcharge-free ATMs in the nationwide CO-OP Network, and Online and Mobile Banking to manage your money, pay your bills, and more.
Digital Banking
Take care of financial matters anytime, anywhere.
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