Dear Gail Enda, Thank you to Natasha Ramsagar at your LGA branch for helping me set my children up on a hopefully financially sound future at the Credit Union. Her level of service is outstanding — taking the time and patiently communicating with me every step of the way with various documentation needed throughout the entire process. She is an asset to your team and the Credit Union. I cannot imagine banking anywhere else because of people like Natasha and the outstanding level of service the Credit Union provides.
Denise K.
Dear Gail Enda, I just wanted to let you know how much I appreciate all that Lizbeth Cardenas at your LAX branch did to help me get my wire transfers completed. I’m sure she didn’t even think about all that she did to help me, as it‘s routine for her, but for me, she was an angel and miracle worker rolled into one! When I called her, I could just “hear” the smile through the phone and she was so kind and caring!
I just wanted to let you know how much I appreciate Liz and your entire team. They are truly kind and professional people!
Trinda M.
WRITE US
We would love to hear what you think about ®, our team members and products. Send your comments or member testimonials for possible inclusion in future issues to centsmag@ AACreditUnion.org.
Checking Accounts
There 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 CHECKING
Enjoy 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 CHECKING
PRIORITY CHECKING
Enjoy 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
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
FLAGSHIP CHECKING
Perfect 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
A PREMIUM EXPERIENCE
UCHECKING CHECKING
For younger members ages 13-255 , this account was custom designed with their lifestyle in mind.
• No monthly service fee
• No minimum balance requirement Qualified benefits include6 : -Up to $15 in ATM fee rebates
EVERYDAY CHECKING YOUTH ACCOUNT
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®.
Visit us online at AACreditUnion.org/checking or call (800) 533-0035 for more information.
Overdraft Services
AUTOMATIC SAVINGS TRANSFERS
Link 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 $100.00 or the available balance of your share account if your balance is less than $100. You will pay $5.00 per posting.
BOUNCE PROTECTION
This 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 PLUS
You 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 LOAN
When 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.