Savings & Checking: Checking
Checking :: Savings ::
Money Market :: CDs & IRAs ::
Investments
Emory Alliance Credit Union offers a variety of checking accounts designed to meet your individual needs. All of our checking account programs offer members valuable benefits such as:
- Free access to Personal Branch - Online Banking (24/7) with free Bill Pay Service
- Identity theft service through Identity Theft 911
- Overdraft Protection (available from your Savings, Line of Credit, or our Overdraft Privilege Service)
- Free access to Audio Xpress - Automated Telephone Service (24/7) - 404.329.6420.
Preferred Checking -free checking
- Opening minimum deposit balance of $100.
- No monthly service fee.
- No minimum balance requirement.
- No direct deposit requirement.
- Free ATM/Visa Debit Card.¹
- Free, unlimited ATM access with an auto loan, real estate loan or credit card*. (*does not apply to fees from other financial institutions or to the Student VISA Classic).
- Free, first 120 checks for new accounts.²
Smart Checking - interest checking
- Opening minimum deposit balance of $100.
- Interest paid monthly on an average daily balance in your checking account of $500 or more.
- Monthly service charge if balance falls below minimum of $1,500.
- Free, ATM/Visa Card.¹
- Free, first 120 checks for new accounts.²
- Earn higher interest with a higher balance.
Advantage Checking - for members over 50 years
- Opening minimum deposit balance of $100.
- No monthly service fee.
- Interest paid monthly on balances of $100 or more.
- Free ATM/Visa Debit Card.¹
- Free, unlimited ATM access (does not apply to fees from other financial institutions).
- Free, checks (exclusive design / 120 per year).
- Must maintain a savings relationship of at least $1,000 or have direct deposit of payroll, retirement or social security check.
Campus Checking - for the college student
- Opening minimum deposit balance of $50
- No monthly service fee.
- No minimum balance requirements.
- Free, Incoming Wire Transfers.
- Free set up: ACH for bank to bank transfers.
- Free ATM/Visa Debit Card.¹
- Free first 50 checks for new accounts.²
Alternate Checking - for a second chance
- Opening minimum deposit balance of $250.
- Direct deposit of net payroll required.
- Low monthly service charge, plus a nominal per debit charge.
- Minimum balance of $50 in savings account.
- Good standing³ for 1 year to convert to regular checking per member's request.
- Checks² and CU Money Card (Prepaid Debit Card) available.
- No joint owner on checking.
Organizational Checking - for non-profit groups
- Minimum opening deposit balance of $100.
- No monthly service fee.
- No minimum balance requirement.
- Free first 50 checks for new accounts.²
Direct Access Checking - for members who need easy access to their money
- Opening minimum deposit balance of $250.
- Direct deposit of net payroll required.
- Low monthly service charge.
- Minimum balance of $50 in savings account.
- CU Money Card (Prepaid Visa Debit Card) available.
- Checks are not available.
- Good standing³ for 1 year to convert to regular checking per member's request.
- No joint owner on checking.
¹ Does not apply to fees from other
financial institutions. Go to
www.CU24.com for a list of CUHere surcharge free ATMs.
² Exclusive design only.
³ Maintain this account in good standing for one year with no
Non-Sufficient funds (NSFs) or negative balances.
All checking accounts are subject to a credit verification before opening.
