Choose a basic account or a loaded one
Find the checking account that fits your life.
Each of our checking accounts offers Early Payday. Set up direct deposit into your AOCU checking account and you’re eligible to receive your money up to 2-3 days early1.
Basic Checking
- No monthly maintenance fee
- No minimum balance requirements
- Pay bills and manage money with Online and Mobile Banking
- Access surcharge-free ATMs nationwide
- More Details
Benefits Plus® Checking
- Earn cash back rewards through online retailers
- Get discounts from merchants, restaurants and airlines
- Pay bills and manage money with Online and Mobile Banking
- No minimum balance requirement to open account
- More Details
Heroes Checking
- For active and retired military personnel, firefighters and police officers1
- Earns dividends
- Get cash back from online retailers and travel rebates
- Receive special discounts on loans2
- More Details
Interest Checking
- Tiers let you earn higher interest rates on larger balances
- Maintain anytime access to your money
- No minimum balance to required to earn dividends
- More Details
An option to suit every need
At Advantage One, we believe more checking account options help you find exactly what you want. That's why we offer four different choices. And all of our checking accounts include a Visa® debit card, access to nearly 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.
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
Apply for a checking account within Online Banking.
This enhanced checking account provides discounts on travel, entertainment, shopping, dining out, and other products and services you use everyday, all for only $5 per month. Join now, it's easy and FREE for 90 days!1
- Mobile app lets you access the savings on the go
- Discounts when shopping with local merchants and dining with national restaurants
- Guaranteed lowest airfare, including 3% cash rebate
- Earn cash back rewards at online retailers
- Free Identity Theft Restoration Services
- No minimum balance requirements to open account
- Optional overdraft protection
- 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
- Calculate your potential savings
- Visit the Benefits Plus website
Apply for a checking account within Online Banking.
This interest-earning account provides special perks for those who serve their communities and country - active and retired military personnel, firefighters and police officers.2
- Includes Benefits Plus® Membership
- Cash-back rewards at online retailers and travel cash-back rebates
- No monthly maintenance fees or minimum balance requirements
- Free Credit Score Monitoring Service and Identity Theft Restoration Services
- Credit & Budget Counseling Services
- Interest Rate Discounts on Loans3
- Unlimited check-writing and no per-check charges
- Free standard checks, money orders & cashiers checks
- Complimentary Signature Guarantee Service and Notary Service
- Automated Fraud Alerts
- Debit card controls with Card Management
Apply for a checking account within Online Banking.
Want to earn more interest on your money without tying it up for years? This account is the answer, with substantially better rates than a standard checking or savings account and full access to your money.
- Same benefits as Basic Checking while you earn dividends on your money
- No minimum balance requirements to earn dividends, which are paid monthly
- No fees for standard checks
- Automated Fraud Alerts
- Debit card controls with Card Management
Maintain an average daily balance of $2,500 in this account and one of the following requirements to avoid the $7.00 monthly service fee:
- A combination of five (5) or more cleared checks, signature-based debit card transactions, or Bill Pay transactions during the calendar month, OR
- A minimum $300 Direct Deposit, into either your checking or savings account during the calendar month
If you maintain an average daily balance of $10,000 or more can choose to add Benefits Plus to this account for free. A $5.00 monthly service fee applies to accounts falling below the minimum balance requirements.
Apply for a checking account within Online Banking.
1Benefits Plus® membership is required. Monthly Benefits Plus® checking account fee starts at $5 a month and begins after 90 day free trial period. Advantage One has selected Generations Gold, Inc., a fully independent third party service provider, to provide travel and other discounted services on an exclusive basis directly to Advantage One members. Advantage One assumes no liability for any of the providers in fulfilling their services. All liabilities, claims, damages, and demands are the direct responsibility of Generations Gold, Inc., the benefits provider. Offer subject to change or cancellation at any time without notice.
2To qualify for the Heroes Checking Account you must be either a retired or active military member, police officer or firefighter. You must be able to provide a one-time identification such as a DD214, VA Card, Military ID, Police or Fire association card, paycheck, etc.
3To receive 0.25% discount, member must have direct deposit and at least 5 debit/credit transactions per month. Cannot be combined with any other discount.
2To qualify for the Heroes Checking Account you must be either a retired or active military member, police officer or firefighter. You must be able to provide a one-time identification such as a DD214, VA Card, Military ID, Police or Fire association card, paycheck, etc.
3To receive 0.25% discount, member must have direct deposit and at least 5 debit/credit transactions per month. Cannot be combined with any other discount.
