Checking AccountsThere are a number of checking options when you do business with us. All of them offer no monthly service fees or provide easy ways to avoid one.ASCEND CHECKINGEnjoy checkless banking that helps you stay in control of your finances.
• No monthly service fees with direct deposit of $250 or more
• Stay in control — no overdraft protection
• Mobile deposit access1

SIMPLIFIED CHECKINGFLAGSHIP CHECKINGPerfect for members who carry a higher balance and want to earn additional benefits.
• No monthly service fee with $750 minimum daily balance
• Monthly dividend
• One Connection Point™ for every $3 spent2
• Wire funds domestically with no fees (up to two wires a month)
• First eight non-network ATM transactions free
• Foreign transaction fee rebate on international purchases
• Our highest debit card spending limits
• Our highest mobile deposit limit

PRIORITY CHECKINGEnjoy additional benefits for doing a few simple things each month.3
• No monthly service fee
• No minimum balance
Qualified benefits include:
- Up to $20 in ATM fee rebates
- Premium dividend rate4
- Monthly foreign transaction fee rebate on international purchases

UCHECKINGFor younger members ages 13-255, this account was custom designed with that lifestyle in mind.
• No monthly service fee
• No minimum balance requirement
Qualified benefits include6:
- Up to $15 in ATM fee rebates.

ALL CHECKING ACCOUNT FEATURES• Mobile and online banking with mobile deposit
• Free bill pay
• Direct deposit discount on select loans
• Visa® debit card with chip-enabled technology
• Online card management (including travel notifications and card on/off)
• Mobile wallet payment options
• Zero liability for unauthorized debit card transactions7
• 24/7 debit card fraud monitoring
• Unlimited access to Credit Union and in-network ATMs
1 Mobile services require web access. Message and data rates may apply. Check with your mobile provider.
2 Must have the American Airlines Credit Union Visa Platinum Rewards credit card to earn Connection Points on debit card purchases — valid only on Flagship Checking accounts.
3 To qualify for upgraded Priority Checking benefits on a monthly basis you must have a minimum of 15 debit card purchases posted per month, maintain a direct deposit of $250 or more and enroll in online statements.
4 APY is Annual Percentage Yield. Fees may reduce earnings on the account. Priority Checking dividend is calculated by average daily balance. Member must be in good standing to be eligible. No minimum deposit to open account. No minimum balance required. Please see our rate and fee schedule for more information. All checking accounts subject to credit approval.
5 Members under 18 years of age will require a joint owner at least 18 or older to open a uChecking Account. Subject to credit approval.
6 To qualify for upgraded UChecking benefits you must have a minimum of fifteen (15) debit card purchases posted per month and enroll in online statements.
7 Zero Liability Policy does not apply to ATM transactions, PIN transactions not processed by Visa, or if you were negligent or fraudulent in the handling of your card, including failure to report loss or theft in a timely manner.

Connection Points powered by CURewards®.

Visa is a registered trademark of Visa International Service Association.
Visit us online at or call (800) 533-0035 for more information.
Overdraft ServicesUCHECKINGLink to your Credit Union savings account(s) to help cover items you’re paying from your checking account. If you don’t have enough money on deposit in checking, we’ll transfer funds from your selected savings accounts in increments of $100 or the available balance of your share account if your balance is less than $100. You will pay $5 per posting.

BOUNCE PROTECTIONThis comes standard with most of our checking accounts and provides overdraft coverage for bills and other payments made by Automated Clearing House (ACH) and checks. If you don’t have enough money in checking to cover a bill or check that has been presented for payment, Bounce Protection can cover those items — up to a total of $500. All you’ll pay is a $25 fee per item covered. Just remember to bring your account positive within 30 days.¹

BOUNCE PROTECTION PLUSYou can opt in for overdraft coverage for debit card transactions. If you’re buying gas or groceries and don’t have enough money in checking, Bounce Protection Plus can cover those everyday transactions for you — up to a total of $500. You’ll pay 1 cent for each transaction covered when you meet certain same-day requirements before 8 p.m. CT, otherwise, $25. Just remember to bring your account positive within 30 days.¹

¹ Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdraft(s) on accounts opened for fewer than 90 days, if your account is not in good standing; which includes, but is not limited to, any negative balance or past-due loans of more than 30 days, if you are not making regular deposits, or if you have too many overdrafts. If we do not authorize and pay an overdraft, your transaction will be returned. Once an overdraft has occurred, you are obligated to bring your account to a positive balance within 30 days. Bounce Protection, Bounce Protection Plus and Overdraft Loan options are not available on Ascend checking accounts. See our Rate & Fee Schedule for more information.
² Loans are subject to credit approval and Credit Union lending guidelines. Member must be in good standing. See our Loan Rate Sheet for more information.
OVERDRAFT LOANWhen you apply and are approved for an overdraft loan, you can have access to up to $2,000 to cover checking account transactions.² Since you only pay interest if the loan is used, you can save money on overdraft fees.
Youth & Young AdultsThe Credit Union offers the following services to our
young adult members:

Share Account (Savings)If you are new to the Credit Union, all you need to join is $6. This includes your one-time $1 membership fee and a $5 minimum deposit. Our share account pays you back a higher than average dividend than most banks. See our Rate and Fee Schedule for more information.

Dream Plan Share CertificatesCommit to your future by setting aside a small amount
of money each month. With a monthly deposit as little
as $25, you can watch your savings grow.

Federally insured by NCUA