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.

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

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.

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.

Whether you’re accessing your accounts on the go with your smartphone, laptop or tablet, our digital banking experience provides you with on-the-go convenient services.

Our mobile banking experience has the same look and feel regardless of which device you use to access it.* Our apps allow you to:

• Log in with Touch ID, Fingerprint or Face ID (depending on your smartphone).

• Make mobile deposits.**

• Set up travel notifi cations.

• Temporarily turn cards off and on when misplaced.

• Check balances, history and transfer funds.

• Access bill pay services.

• Locate the nearest ATM or branch.

• Use our personal fi nancial management tool.

Our specially designed apps for iPhone®, AndroiTM and tablets allow you to check your balance, make transfers, access bill pay and deposit a check using your device’s camera.

Apple Watch: To turn on, simply log into our mobile app and select Apple Watch under “Settings” in the left-hand menu.

Save yourself a trip to the branch and deposit checks using your smartphone. Step 1: Log into our mobile banking app, click on “Menu” and select ‘‘Make a Deposit.” Step 2: Select the account you’re depositing to, enter the amount, then select “Capture Image.” Step 3: Photograph the front and back of your check. Click “Submit Deposit.” You’re done!

Add your Credit Union debit and credit cards to your enabled device to make secure monetary transactions.

• Apple Pay®

• Google PaTM

• Samsung PaTM

• Visa Checkout®

*Mobile services require web access. Message and data rates may apply. Check with your mobile provider. **Mobile deposit is limited to members in good standing with an American Airlines Credit Union checking account. iPhone and Apple Pay are registered trademarks of Apple, Inc. Android is a trademark of Google LLC. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Google Pay is a registered trademark of Google LLC. Visa is a registered trademark of Visa International Service Association.