Simplicity in Transactions
Open to All of Colorado
From electronic tools to free, day-to-day transactions, ACU has everything you need. See the more information link for details or contact us for additional questions!
- No Upkeep Fees
- Protective Overdraft Available (and Recommended)
- $wipe and $ave for Automated Savings
No frills. No complications. For the smart and conservative consumer.
Our checking accounts carry a straightforward approach. You won't find transaction fees, balance requirements or anything like that. Like all institutions, we have an overdraft program which can result in fees (Courtesy Pay), however, unlike other places, we are able to customize your processing to help avoid these. For example, we are happy to direct your transactions to other accounts or memberships to cover your transactions before having to overdraft your account. Moreover, our accounts are 100% fraud covered-- If something looks unusual, let us know within the 60 day dispute period and we will work to correct the situation.
You can also opt for an interest-bearing checking account. You'll get paid like it is a savings account, but you need to keep an average balance of $500 each month to avoid a fee. If you carry high balances, there is no reason not to use it, but it isn't for everyone. Close
The debit card is where it starts. Free to use, chip secured, and 100% transaction secured. Any fraud issues, we take care of it (within the legal dispute period). Furthermore, we offer a new, expanded virtual suite for anywhere/ anytime access and payments. You can even request and send payments directly with your friends.Close
Overdraft accounts are ideal complements for any transaction account. If there is an issue with your account, this loan covers you and eliminates the overdraft fees. Unlike other places, this is a dollar for dollar coverage. If you overdraft a few dollars, we only transfer that amount and save you the interest you don't need to be paying. Moreover, on your request, we will set up an overdraft plan that suits your needs and only costs you when absolutely needed.Close
Forms, Important Information, and More
Please note that an overdraft loan product is different than courtesy pay and provides a number of advantages. However, it is subject to approval. Loan limitations and restrictions may apply.
Courtesy Pay: Covering payments by the credit union is a discretionary courtesy and not a right of the member or an obligation of the credit union. This privilege for consumer share draft accounts will be limited to a maximum amount of $1,200 (or less, depending on approved limit) balance in the negative. Transaction types that are eligible for courtesy pay include and are limited to: ACH transactions, debit card transactions, and drafts (checks). You must bring your account balance to a positive balance within every 30-day period for a minimum of 24 hours to remain eligible. The credit union, at is sole discretion, can cancel this protection, and cease paying overdrafts at any time wihtout prior notice of reason or cause. Approval is required before being allowed this service. Additionally, this is an "at-will" program. You may opt-out of coverage at any time by contacting the credit union and providing written instructions if necessary. Of note, we offer several levels and various limits to this service (e.g. use for all transactions or just ACH/ check options). To discuss this service or help us customize it for your needs, please contact us. For full information, restrictions, policies and practices regarding Courtesy Pay, please tap or click here.
All insurance and investment services are provided by third party companies. While trusted, they are independently operated and subject to their terms and conditions. Products advertised may not be federally insured or considered obligations or to be guaranteed by Arapahoe CU or any affiliated entity. Investments you make involve risks and may lose value including the possible loss of principle investment.