ATM Checking

ATM Checking allows members to take advantage of the benefits of using a VISA® Debit card, without the need of a full checking account? Members can use our VISA® Debit card for PIN-based transactions at ATMs and merchants anywhere VISA® is accepted.

Minimum Requirements

  • Minimum Balance of $0.00 to open account.
  • Account does not earn Dividends.
  • Meet eligibility requirements.
  • ACH Withdrawals are prohibited.
  • ATM Share Draft utilizes our VISA® Debit Card. (Writing checks on the account is prohibited)

Product Fees

  • Account subject to all General Account Fees.: (Refer to Services Fee Guide)
  • Monthly Inactive Account Fee (180 Days with no transactions): $4.00
  • Monthly Below Minimum Draft Balance Fee: $0.00
  • Monthly Return Statement / Bad Address Fee: $4.00
  • ACH Withdrawal Penalty: $7.50

Product Features

  • Options for payroll direct deposit.
  • Overdraft protection available. (OAC)
  • Courtesy Pay Available. (Not Available)
  • Monthly itemized statement.
  • Unlimited deposits and NON-ACH withdrawals.
  • Funds are federally insured by the National Credit Union Administration. (NCUA)

Product Benefits

  • Free e-Statements.
  • Free mobile banking.
  • Free remote deposit capture.
  • VISA® Debit card with unlimited transactions.
  • Free account access at over 2800 ATMs.
  • Identity Theft Protection. (Available)

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© 2021 American United Federal Credit Union. All Rights Reserved. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. ABA Routing Number: 324078640

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