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Checking & ATM/Debit Card
Open an Alliance Checking account when you join.*
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. Free of fees, free of ATM charges†, and free of hassles. For most people, it?s the only checking account they?ll ever need.

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|CU Magazine subscription, unlimited check writing, and a free ATM/debit card†.

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?

Business Checking
Let us handle all your business? checking needs for just an $8 monthly fee.

Checking Fees
  • Copy of Check/Draft ? Two free per statement and then $3 per check/draft copy
  • Overdraft Transfer Fees (automatic non-personal transfers)
    • From Liquid Asset to Checking - $3 per transfer
    • From Savings to Checking - $3 per transfer
  • Personalized Checks Charge ? Varies with style chosen
  • Returned Check/Draft/Automatic Payment(NSF) - $25 per item
  • Stop-Payment Order - $10 per item/series

Additional Features

  • ATM/Debit Card
    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
    • Unlimited free access at Alliance-owned ATMs
    • Unlimited free transactions at non-Alliance owned ATMs†
    • No annual fee
    Current ACU 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 ACU financial center.

  • Online banking and bill pay

  • Check out our ATM locator for surcharge-free ATMs.

  • Click here to re-order Checks

  • 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 two numbers accessible: 888-241-2440 (in the United States) and 909-941-1034 (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.


* Print and complete the downloadable membership application. Be sure to check the appropriate box(es). To open your checking account, enclose an additional amount for your initial deposit ($25 minimum).
† Other financial institution charges may apply.
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