We don't charge you to use your money -- pay no monthly fees at Alabama Credit Union! To open a checking account you must deposit a minimum of $20 (to cover the cost of your first box of personalized checks), and if you plan to order an VISA ATM/Debit card, please deposit at least $50 to your new account. Your credit union checking account gives you an automatic carbonless copy of every check. No more forgetting to post a check or hassling with bulky monthly statements! Once a month you receive a statement showing all activity on your accounts -- and secure e-statements are also available. It's simple.

We also provide overdraft protection for qualified members.  Avoid NSF fees when your checks or VISA ATM/Debit transactions reach your account before payday by signing up for our Overdraft Protection Line of Credit loan. It's a pre-approved line of credit tied to your checking account (or multiple checking accounts); if you don't use it, it costs nothing because there is no annual fee or application fee. If it is activated by an NSF, then you pay interest on the number of days you use the loan. Ask us to be approved for an Overdraft Protection Line of Credit that will make advances to your account.

Are your paydays sometimes too far apart? Avoid costly merchants' fees by opting in to Alabama Credit Union's ACU Oops! Pay^SM serivce. It prevents your checks from being returned if you overdraw your account. To opt in for the convenient ACU Oops! Pay for VISA ATM/Debit transactions, click here or contact our Member Care Center at (888) 817-2002.