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While banks are stepping up their monthly fees for checking accounts, checking accounts at ABCO FCU remain free. We have a variety of account types to suit the needs of each individual.

All accounts are insured by the National Credit Union Association (similar to the FDIC for banks) up to $250,000, with an additional $250,000 insurance by the Excess Share Insurance company, for a total of $500,000.

Account Types

Premiere Checking Account

  • Earn rewards of 1.76% APY* on balances up to $25,000 (.20% APY* on balances over $25,000) when requirements** are met. .05% APY* when qualifications are not met.
  • ATM fees refunded up to $10 when requirements** are met
  • ATM/Visa Check Card with access to over 50,000 surcharge-free ATMs
  • No minimum balance to maintain account
  • No monthly maintenance fee
  • First box of 50 checks free
  • Free Online Banking & Bill Payer
  • Overdraft Protection (with pre-approved line-of-credit)
**Requirements:
  1. Agree to accept account statements electronically.
  2. Have at least 1 direct deposit or direct debit (ACH)*** post and clear during the monthly qualification cycle****.
  3. Have at least 10 debit card purchases post and clear during the monthly qualification cycle****.
  4. Perform 1 financial transaction (transfer money from one account to another, pay a bill, or request a check withdrawal) in online banking or bill payer monthly.

Classic Checking Account

  • No minimum balance required.
  • No monthly fees for normal use.
  • ATM/Visa Check Card with access to over 50,000 surcharge-free ATMs
  • First box of 50 checks free.
  • Free Online Banking & Bill Payer.
  • Overdraft Protection (with pre-approved line-of-credit)

Business Checking Account

  • Unlimited paid items and deposits
  • No minimum balance required.
  • No monthly fees for normal use.
  • ATM/Visa Check Card with access to over 50,000 surcharge-free ATMs
  • Free Online Banking & Bill Payer.
  • Overdraft Protection (with pre-approved line-of-credit)
How to Sign Up

Stop by one of our branches
or sign up by mail. See our step by step guide to becoming a member


Note: ABCO reserves the right to deny an application based on information provided by Chex Systems or by any other accredited source.


*APY=Annual Percentage Yield
 
***Online bill pay transactions do not count as an ACH direct deposit or debit.
 
****Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Qualification cycle starts on the last day of the previous month and ends the next to the last day of the current month. The exception to this would be if the month ends on a Sunday. Then the cycle would end two days prior to the end of the month.
Equal Housing Verified by Visa Shared Branching Excess Share Insurance NCUA