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ATM Checking

Limited to PIN-based transactions

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Account Limitations

Online & Mobile Banking

VISA® Rewards Debit Card

Overdraft Protection Coverages

Member Benefits

Additional Features

Account Limitations

How Is This Account Different?

  • VISA Rewards Debit Card only for PIN-based transactions at ATMs & merchants
  • Does not earn monthly dividends
  • ACH withdrawals are prohibited
  • No checks
  • No Courtesy Pay overdraft option
  • No Mobile Deposit or Zelle® Payments
  • No access to CO-OP Shared Branch locations
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Online & Mobile Banking

Banking wherever, whenever

  • Mobile App
  • E-Statements
  • Automatic Bill Pay
  • Money Desktop Tools
Online & Mobile Banking

VISA® Rewards Debit Card

Earn 1 point for every $4 spent

  • Debit Card for PIN-based transactions only
  • VISA® Reward Points Program
  • Free account access at over 30,000 ATMs
  • Smart Cents Roundup Savings
  • Debit Card Design Options
  • Instant Issue Cards Printed In-Branch
  • CardNav® Manager App
  • Unlimited Debit Card Transactions

Overdraft Protectio Coverages

2 options to choose from

  • Overdraft Line of Credit (Personal Loan)
  • Overdraft from Savings

Member Benefits

Rewards & dividends for you

  • End-of-Year Member Dividend Rewards
Member RewardsCurrent Offers

Additional Features

Even more that comes standard

  • No Minimum Balance
  • Options for Payroll Direct Deposit
  • Free account access at over 30,000 ATMs
  • Unlimited Deposits & Non-ACH Withdrawals
  • Utah-based Contact Center for phone support
  • Federally insured by the NCUA
Contact Us

As a parent, I considered choosing between the ATM and primary checking accounts for my kids to get used to using a debit card to track their expenses. For myself, I opened an ATM checking account to help re-build my credit score after some financial challenges and not being able to qualify for a primary checking account. Thanks American United for having this option!

American United FCU Member

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Checking Account Rates

Rates up to date as of July 4, 2024. Rates subject to change without notice.

Account TypeDividend RateAnnual Percentage YieldMinimum BalanceBalance to Earn Monthly Dividends
Primary Checking0.050%0.050% APY$0$500+
GoldStar® Checking10.100%0.100% APY$0$500+
Business Basic Checking0.050%0.050% APY$0$500+
Business Premier Checking0.200%0.200% APY$0$500+
ATM Checking2$0
Fresh Start Checking2$100
Empowered Checking3$ 0

APY = Annual Percentage Yield. Membership required, on approved credit, and rates subject to change at any time without notice. Credit union deposits are federally insured by the NCUA.
1. Additional requirements apply for GoldStar® membership.
2. Checks are not allowed on ATM or Fresh Start checking accounts.
3. Must be referred through BankOn for Empowered checking accounts.

Build credit with a Share Secured Loan

  • Borrow funds using your savings as collateral
  • Terms up to 120 months
  • No loan fees
  • Quick & easy approvals
  • Earns End-of-Year Member Reward Dividend
Share Secured Loan