Make life a little easier with an Alliance checking account featuring FinanceWorks™. All of our accounts
offer a host of features that save you time and money such as Online Banking, Bill Payer, and surcharge-free ATMs.
Free Checking
Our Free Checking account combines a host of features into one, complete checking account. And best of all, it lives up to its name:
free
1. Free of fees, free of ATM charges
2, and free of hassles. For most people, it’s the only checking account they’ll ever need.
Free Checking Features:
Need help deciding which account is right for you?
Click here for a side-by-side comparison of our checking accounts.
Ready to open a checking account? If you’re already a member, all you need is $25 for the opening deposit and give us a call at 800.232.8669 to open your checking account today.
If you’re new to Alliance, you can open a checking account
when you join3.
[1] Free Checking is free of charge, meaning there is no monthly charge. However, the fees on our
Fee Schedule still apply for
those services listed.
[2] Alliance Credit Union will not charge you a fee to use another financial institution’s ATM. However, other financial institution charges may apply.
[3] Complete the online membership application. Be sure to check the appropriate box(es). Enclose your initial deposit ($25 minimum) for your checking account in addition to your deposit for your Member Share account.
Your savings are federally insured by the National Credit Union Administration
to at least $250,000. Learn more.
Dividend Checking
Our Dividend Checking offers great benefits like free checks, a gold MasterMoney® ATM/debit card, and
interest on balances over $15,000. If you want a little something extra, why not let your checking account pay you?
Dividend Checking Features:
Need help deciding which account is right for you?
Click here for a side-by-side comparison of our checking accounts.
Already a member? Call 800.232.8669 to open a checking account today.
If you’re new to Alliance, you can open a checking account
when you join.
[1] Monthly service charge assessed if balance falls below $15000. See our
Fee Schedule for details.
Your savings are federally insured by the National Credit Union Administration
to at least $250,000. Learn more.
Student Checking
If you’re looking for your first checking account, try our Student Checking. It’s perfect for teens and young adults
who need a free checking account that also provides additional benefits like a brass|Magazine subscription, unlimited
check writing, and an ATM/debit card that is free of ATM charges.
2
Student Checking Features:
Need help deciding which account is right for you?
Click here for a side-by-side comparison of our checking accounts.
Ready to open a checking account? If you’re already a member, all you need is $25 for the opening deposit and give us a call at 800.232.8669 to open your checking account today.
If you’re new to Alliance, you can open a checking account
when you join3.
[1] Student Checking is free of charge, meaning there is no monthly charge. However, the fees on our
Fee Schedule still apply for
those services listed.
[2] Alliance Credit Union will not charge you a fee to use another financial institution’s ATM. However, other financial institution charges may apply.
[3] Complete the online membership application. Be sure to check the appropriate box(es). Enclose your initial deposit ($25 minimum) for your checking account in addition to your deposit for your Member Share account.
Your savings are federally insured by the National Credit Union Administration
to at least $250,000. Learn more.
Business Checking
All Business Checking accounts now include Small Business FinanceWorks – a suite of powerful tools to simplify the way you
manage business finances. Additional benefits include access to our online Business Directory, discounts on check orders,
and complimentary educational seminars.
 | Minimum opening balance | $100 |
| Monthly service charge | $12 per month1 |
| Check orders | $25 off your very first order then $15 off any order thereafter |
| Complimentary ATM/Debit Card | Business Classic |
| Free ATM use2 | Unlimited access |
| Online Banking with Bill Payer | Unlimited access |
| Statements | Paper or eStatements |
Other Features:
| Small Business FinanceWorks™ |
Small Business FinanceWorks is a suite of online tools designed to meet the unique needs you have as a small
business owner including invoicing, merchant services, payroll, and legal resources3.
Click here to view demo. |
| Small business education | Complimentary business seminars at ACU locations provided by SCORE® a $60 value |
| Business Directory | Complimentary access to our Business Directory to network with other ACU business members |
Types of Business Accounts and Paperwork Requirements
| Sole Proprietorship |
a business with one owner |
- current business license
- fictitious name statement (if any)
|
| General Partnership |
a business with two or more owners |
- current business license
- fictitious name statement (if any)
|
| Corporation |
a legal entity that acts to shield individual(s) from personal liability for the acts and debts of the business. Businesses
may also form a corporation because they want to raise capital by selling stock.
|
- Articles of Incorporation
- fictitious name statement (if any)
- corporation resolution authorizing establishments of financial institution accounts4
|
| Limited Liability Company (LLC) |
a legal entity that acts to shield individual(s) from personal liability for the acts and debts of the business. |
- Articles of Incorporation
- fictitious name statement (if any)
|
| Limited Liability Partnership (LLP) |
similar to an LLC, but its owners are architects, doctors, lawyers or accountants |
- LLP registration certificate
- fictitious name statement (if any)
|
| Unincorporated Association |
usually an informal group that needs a financial institution account for the purposes of collecting funds and paying expenses |
- resolution authorizing establishment of financial institution accounts.4
|
[1] Please see our
Fee Schedule for a comprehensive list of all service fees.
[2] Alliance Credit Union will not charge you a fee to use another financial institution’s ATM. However, other financial institution charges may apply.
[3] Fees for some tools vary and are subject to change. Billing Manager and Remote Deposit are complimentary services with all Business Checking accounts. Merchant Services (credit card processing) includes a monthly service fee plus all applicable transaction fees. Payroll services and legal resources fees vary. Please visit the Small Business FinanceWorks section within online banking for complete details.
[4] In lieu resolution, you may use the resolution form on the application/agreement card
Fresh Start Checking
What is Fresh Start Checking?
It is a restricted checking account that helps you re-establish account management history.
Who is Fresh Start Checking for?
Fresh Start Checking is for individuals who have been restricted from opening
a checking account due to a ChexSystems record or previous account mismanagement.
How do I open a Fresh Start Checking account?
- Talk to an Alliance representative to see if you qualify. Please stop by any financial center or give us a call at 800.232.8669.
- Complete the Checking Account Management course and receive a score of 90% or higher on the quiz.
- Meet with an Alliance Member Relationship Manager to open your account. You will need to have a Member Share account1 and make a deposit of $25 or more into your new checking account. Please refer to Account Details below.
Account Details
Eligibility and Requirements
- Member must be 18 years of age or older, and
- Maintain a Member Share account1, plus
- Fresh Start Checking accounts must have an initial deposit of $25.00 or more, and
- The member must complete the Balance Checking Account Management course with a score of 90% or higher prior to opening the account.
Account Restrictions
- No ATM or Debit Card for the first six (6) months
- If account remains in good standing after six (6) months, member is eligible to receive an ATM card upon request
- If account remains in good standing after one (1) year, member is eligible for a debit card upon request
- Non-Sufficient Funds (NSF)
- One (1) or more NSF(s) during months 0-6 results in account closing.
- One (1) NSF allowed during months 7-12.
- More than one (1) NSF during months 7-12 results in account closing.
- If account is in good standing after one (1) year, member may be eligible for current Overdraft Protection Program.
- No monthly minimum balance requirement
Eligibility and Requirements
Please visit
http://www.balancetrack.org/checking/index.html to take a quick course about
properly managing your checking account. Complete the quiz at the end of the course. If you
score 90% or better, you may be eligible for the Fresh Start Checking account. You are able to take the quiz up to three (3) times. If you do not
pass the test after the third (3rd) try, you must wait ninety (90) days from the date of the last quiz. After ninety (90) days, you are allowed three (3) more attempts.
Proper Identification
Please provide a Drivers License or state-issued ID card for each member that will be on the account.
If you have any questions about the Fresh Start Checking account or any other account Alliance offers, please give us a call at 800.232.8669. If you would like to become a member of Alliance Credit Union, please
click here.
Please
click here for current Fee Schedule.
[1] Requires a one-time membership fee of $10, plus an initial deposit of $25 into the Member Share (savings) account.
Your savings are federally insured by the National Credit Union Administration
to at least $250,000. Learn more.
ATM/Debit Card
NOTICE FOR ATM/DEBIT CARDS: Alliance has a new ATM/Debit card fraud monitoring service called
Fraud Watch. Fraud Watch is a third party monitoring service that reviews transaction for unusual or suspicious activity.
Please see Important Information for Debit/ATM Cardholders below for contact phone numbers.
If you have any questions or need assistance, please call us at 800.232.8669. Thank you.
Everyone needs an ATM card. This one is ours. MasterMoney is our ATM/Debit card that's faster than
writing checks, and safer than carrying cash. MasterMoney offers you:
- Acceptance at over 15 million merchants worldwide
- Access to over 28,000 surcharge-free ATMs through the CO-OP Network
- No additional charge to use non-Alliance owned ATMs1
- No annual fee
Current Alliance members may apply for a MasterMoney ATM/Debit Card by calling our Service
Center at 408.445.3386 or 800.232.8669 nationwide. Or visit your local Alliance financial center.
MasterCard SecureCode™ puts you in control when shopping online. With SecureCode™ only you can approve online
debit card purchases.
Click here to register.
Important Information for Debit/ATM Cardholders
Alliance uses a third party monitoring service to review transactions for unusual or suspicious activity. This means if there are out-of
the-ordinary transactions your card could be blocked. Keep these numbers accessible: 866.842.5208 (in the United States) and 701.461.2551
(call COLLECT from outside the United States). If your card is blocked for unusual activity and you miss the monitoring service’s call,
use one of these of numbers to verify recent transactions and unblock your card. If your card is lost call 800.264.5578 (in the United
States) and 701.461.0621 (call COLLECT from outside the United States). To activate your new Debit card or change your pin number call
800.448.8268..
[1] Alliance Credit Union will not charge you a fee to use another financial institution’s ATM. However, other financial institution charges may apply.
Bank@Work
If your employer is a Community Business Partner (CBP) of Alliance Credit Union, then you could be eligible for
an exclusive checking account that features a special interest rate, no monthly maintenance fees, complimentary
services, and more. Simply contact your human resources manager for complete Bank@Work account details.
Not sure your company is an Alliance CBP? Give us a call at 800.232.8669 or contact your human resources manager.
If your company is interested in becoming a CBP and benefiting from services such as Bank@Work, on-site membership drives,
and on-site seminars,
click here to learn more.
The choice is yours.
As an Alliance Credit Union member, your goals are very important to us – and that’s why we offer overdraft protection options. The choice is yours.
Overdraft Privilege Program – Changes beginning August 15, 2010
Currently, all checking accounts that are in good standing after 60 days of account opening are automatically enrolled into the Overdraft Privilege
Program (OPP). This program covers all transactions that might overdraw your account.
BEGINNING AUGUST 15, 2010 YOU MUST OPT-IN TO PARTICIPATE IN THE OVERDRAFT PRIVILEGE PROGRAM FOR ATM/DEBIT CARD TRANSACTIONS. THIS APPLIES TO ALL MEMBERS.
Even if you are already using OPP, in order to continue this benefit for ATM/debit card transactions, you must opt in by filling out
this form.
There are three ways to opt in:
What is the Overdraft Privilege Program?
Rather than automatically returning unpaid, non-sufficient funds items which could cause you to incur a fee from the payee, Alliance
pays these items up to $700 during a 30-day period. You incur an NSF/overdraft fee of $29 for each transaction that we pay when you have
insufficient funds to cover the transaction.
As long as you bring your account current within each 30 day period, this benefit continues uninterrupted. Each time we pay a non-sufficient funds item we send you a notice.
Other overdraft choices
- Do nothing. If you do not want to participate in OPP for ATM/debit card transactions simply do nothing. ACH and
check transactions will still be covered; however, if you have non-sufficient funds when using your debit card, the transaction will be declined.
- Link your savings account.1 You have the option to link your Alliance checking account to your
Regular Share or High Yield Money Market account. If you do not have sufficient funds in your checking account at the time of a transaction,
funds from your savings or money market account will be transferred into your checking in $100 increments for $4 per transfer. You can link your
savings with your checking account whether you participate in the Overdraft Privilege Program or not.
- Overdraft line of credit. Apply for a line of credit to cover transactions when you do not have sufficient funds in your checking account.
To opt in for overdraft protection of ATM/debit card transactions, please
click here for the opt-in form.
If you have any questions about your overdraft options or would like to set up one of these options, please stop by any financial center or give us
a call at 800.232.8669 and we’ll be happy to assist you.
[1] Under NCUA guidelines, you are allowed a maximum of six (6) non-personal transactions per month from your savings account. "Non personal"
means any transfer that is triggered by an event (e.g., ACH or overdraft protection) and happens automatically, or that requires a transfer
request such as Online Banking or Tell-A-Phone. If you exceed six non-personal transactions in one month and you participate in the Overdraft
Privilege Program, your excess transaction(s) will be paid by Alliance and you will incur a $29 overdraft fee. If you do not participate in
the Overdraft Privilege Program and you exceed six non-personal transactions in one month, your excess debit transaction(s) will be
declined or your check(s) will be returned.