Alliance Checking

Personal Checking Accounts
Whatever your needs are, one of our checking accounts can meet them. Choose one that’s right for you. Click here to open an account online.

Need a fresh start? Take a look at our Fresh Start Checking account to help re-establish your account management history.

Checking Account Features	Free	Student¹	Dividend
Minimum Opening Deposit	$25	$25	$15,000
Minimum Monthly Balance	None	None	$15,000
Monthly Service Charge²	$0	$0	$7 (bal. < $15k)
Monthly Debit Card Charge	$0	$0	$0
In-Network ATMs³ Co-op network® & elan® Network (including 7-Eleven® and U.S. Bank ATMs)	Free and unlimited	Free and unlimited	Free and unlimited
Out-of-Network ATMs⁴	1 per month = $0 2 or more per month = $2 each	1 per month = $0 2 or more per month = $2 each	1 per month = $0 2 or more per month = $2 each
Interest	None	None	See Rates
Online Banking	Free	Free	Free
Online Bill Payer	Free	Free	Free
eStatements	Free	Free	Free
Other Features	Track spending & create budgets with FinanceWorks™	brass\|Magazine quarterly subscription	One complimentary box of safety checks per year

Additional Services
Fee Schedule : Financial Tools : Locations : ATM Finder

[1] For members aged 16-25 only; 16-17 requires parent/guardian over age of 18 as a joint account holder
[2] Free Checking and Student Checking are free of charge, meaning there is no monthly service fee. However, the fees on our most recent Fee Schedule still apply for those services listed. The Dividend Checking monthly service charge is assessed if the balance falls below $15,000.
[3] All ATMs in the Co-Op Network (including 7-Eleven Stores) and the élan Network (including U.S. Bank) are surcharge free. Charges may apply for out-of-network use. Please refer to our most recent Fee Schedule. Out-of-network ATM providers may also assess additional service charges.
[4] Fees on our most recent fee schedule apply. Out-of-network ATM providers may also assess additional service charges.

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

Features

MasterCard debit card
Online Banking
eStatements
Mobile and Text Banking
A low $10 monthly service fee
No monthly minimum balance requirement
If account is in good standing after one (1) year, you may be eligible for Free Checking and our Overdraft Protection Program.

Eligibility and Requirements

You 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
You need to complete the Balance Checking Account Management course with a score of 90% or higher prior to opening the account.

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.

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.

What is the Overdraft Privilege Program?¹
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.

There are three ways to opt in to the Overdraft Privilege Program:

Complete the online form and submit (secure transmission)
Print, complete and mail the form to PO BOX 18460, San Jose, CA 95158
Give us a call at 800.232.8669 and press 0 to speak with a Service Center representative between 6am and 6pm Pacific Time, Monday through Friday.

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.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.² You can link your savings with your checking account whether you participate in the Overdraft Privilege Program or not.³
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] The Alliance Credit Union Overdraft Privilege Program (OPP) offers optional additional coverage for everyday ATM and debit card transactions. The overdraft fee, whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means, is $29 per item ($145 maximum per day). Alliance Credit Union pays overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. OPP is not available for Fresh Start Checking accounts.
[2] From your savings account, you are allowed to make a maximum of six (6) non-personal transactions per month. "Non personal" means any transfers or withdrawals made by means of preauthorized or automatic transfer, telephonic order or instruction, check, debit card, or similar order conducted by the member and payable to third parties (e.g., ACH, or overdraft protection or an automated transfer request such as Online Banking or Tell-A-Phone).
[3] If your share account is set up to overdraft to your checking account to cover clearing transactions and there are not sufficient available funds between the eligible accounts, one of the following will occur:

[a] a. If you participate in the Overdraft Privilege Program and the clearing transactions and corresponding fees do not exceed the $700 program limit, your eligible transactions will be paid by Alliance and you will be assessed a $29 fee for each cleared transaction.
or
[b] b. If you DO NOT participate in the Overdraft Privilege Program or the amount of the transaction attempting to clear exceeds the $700 program limit, ATM or debit transactions will be declined or check(s) or automated clearing items will be returned non-sufficient funds.

ATM/Debit Card

NOTICE FOR ATM/DEBIT CARDS: Effective August 1, 2011, fees for out-of-network ATMs and foreign debit transactions are changing. Please click here for details.

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 nationwide through the CO-OP Network® and élan® Network, including US Bank® ATMs and all 7-Eleven® stores.
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.

NOTICE FOR DEBIT CARDS: Alliance has a new online MasterCard® SecureCode™ processing vendor. If you have previously applied for this service you will be required to re-apply in order to protect your online purchases when using your debit card. Please click on the MasterCard SecureCode logo or the “Click here” link to apply.

If you have any questions or need assistance, please call us at 800.232.8669. Thank you.

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..