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Primary Checking

Free checking for everyday banking

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Primary Checking

Online & Mobile Banking

Overdraft Protection Coverages

VISA® Rewards Debit Card

Member Benefits

Primary Checking

Everything comes standard

  • No minimum balance or monthly fees
  • Monthly Dividends on balances $500+
  • Free Unlimited Check Writing
  • Same-Day Direct Deposit
  • Free account access at CO-OP Shared Branches & ATMs
  • Utah-based Contact Center for phone support
  • Federally insured by the NCUA
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Online & Mobile Banking

Banking wherever, whenever

  • Mobile App
  • E-Statements
  • Automatic Bill Pay
  • Money Desktop Tools
  • Mobile Deposit
  • Zelle® Payments
Online & Mobile Banking

Overdraft Protection Coverages

3 optional coverages to choose from

  • Overdraft Line of Credit
  • Courtesy Pay
  • Automatic Transfer from savings account
Overdraft Coverages

VISA® Rewards Debit Card

Earn 1 point for every $4 spent

  • VISA® Reward Points Program
  • Smart Cents Roundup Savings
  • Debit Card Design Options
  • Instant Issue Cards Printed In-Branch
  • CardNav® Manager App
  • Unlimited Debit Card Transactions
VISA® Rewards Debit Card

Member Benefits

Rewards & dividends for you

  • New Member Special Offer
  • Monthly Dividends on balances $500+
  • End-of-Year Member Dividend Rewards
Member RewardsCurrent Offers

American United makes personal banking easy. I can't believe I didn't switch from a traditional bank sooner, especially after realizing I'm now with a member-owned financial institution that pays monthly dividends to its members and offers an end-of-year member reward bonus, which is unique to credit unions!

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.

Upgrade to GoldStar® membership

  • Higher Monthly Dividend Rates on Balances $500+
  • Higher Dividend Rates on Savings & Certificate Accounts
  • Loan Rate Discounts on Vehicle & Personal Loans
  • Access to No Cost Identity Theft Protection
  • Free or discounted services & additional rewards
Goldstar® membership