Compare APCU’s Checking Accounts

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Anywhere Financial Tools
Internet Branch, Mobile Branch, Free Bill Pay.
Visa® Debit Card and eStatements.
Interest Paid on Checking Balance
Shop local, save local
Local discounts and national retailer deals to save you money on shopping, dining, travel and more.
Cell Phone Protection
Receive up to $400 per claim ($800 per year) if your cell phone is broken or stolen.
ID Theft Aid*†
Includes payment card fraud resolution, $2,500 in personal identity theft benefit, 24/7 Tri-Bureau Credit Monitoring.* and Single Bureau Credit Report and Credit Score.*
Roadside Assistance
Available 24/7 and free to use. up to $80 in service charges.
$10,000 Travel Accidental Death Coverage
Peace of mind for the unexpected.
Pharmacy, Vision and Hearing Savings
Save money on prescriptions, eye exams, frames, lenses and hearing services.
Monthly Service Fee: $5.49** $6.00***
† Cell phone protection and personal identity theft benefit are subject to additional terms and conditions. Insurance products are: NOT A DEPOSIT. NOT NCUA INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE CREDIT UNION.
* Activation is required. Does not monitor all transactions at all businesses. No service can stop all identity theft events.
** Make 15 electronic transactions per month and enroll in eStatements OR have a combined relationship balance of $20,000 (including deposits and loans) and we'll waive the $5.49 service fee.
*** If you are student up to 24 years of age, or maintain a balance of $500 or more, or have an aggregate $100 or more direct deposit to checking, we'll waive the $6 service fee.

Member Benefits Checking Account 

APCU’s Member Benefits Checking Account isn’t your average checking account. It offers all the usual bells and whistles you’d expect from a checking account and more!

  • Minimum opening deposit: $5
  • Minimum balance to earn interest: $1
  • Highly competitive interest rates
  • Interest compounded and credited monthly
  • No monthly service fee* if:
    • You make 15 electronic transactions per month and enroll in eStatements or
    • You have a combined relationship balance of $20,000 or more (including deposits and loans) at APCU
  • Manage your APCU accounts 24/7 through APCU’s:
    • Mobile Branch**
    • Internet Branch**
    • KeyTeller Automated Telephone System
  • Access to more than 70,000 ATMS with your APCU Visa® Debit Card / ATM Card
  • Four (4) free ATM withdrawals per month at non-APCU ATMs***
  • eStatements option
  • Access to great, money-saving discounts through BaZing!†

There is a $5.49 monthly service fee if you do not make 15 electronic transactions per month and are not enrolled in eStatements or if you do not have a combined relationship balance of $20,000 or more (including deposits and loans) with APCU.

**A working Internet connection is required for use. APCU does not charge you a fee for using this service. However, charges from your wireless carrier or internet service provider may apply.

***After first four (4) withdrawals, a $1.50 per transaction fee will apply. Other fees may be assessed at ATMs owned by financial institutions other than APCU.

Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals

Earn Rewards

You'll automatically earn ScoreCard Reward Points toward great rewards like travel, cash back and brand name merchandise every time you use your APCU Visa Debit Card for a signature-based transaction. There's no extra effort required!

Get Started

Open a Member Benefits Account

If you aren't yet a member, it's easy to join! Learn how to become a member.

For more information, or help opening your account, visit one of our convenient branch locations or call (800) 849-8431.

See current rates and fees.