Smart Checking :: Checking :: Accounts & Services

Checking Services

Smart, Dividend or Advantage Checking - choose the one that's right for you.

	Smart Checking	Dividend Checking	Advantage Checking
Minimum Balance	$0	$500	$10,000
Dividends Paid	No	Yes	Yes
Below Minimum Bal. Fee	No	Yes	No
Monthly Service Fee		None
ATM/Debit Card		Free
Online Banking		Free
Online Bill Pay	Free when	used, $6.75/month	when not used
Phone Banking		Free
Online check Images		Free
ATM Use
ACU Owned		Unlimited free	transactions
Non-ACU ATMs	Up to 5/month*	with no ACU fees
Surcharge-free ATM Networks	Over 57,000	locations nationwide,	with 3 networks

* If other ATMs charge transactions or access fees, these will be passed along and reflected on your statement.

24/7 Account Access

Make Purchases & Withdraw Cash

The ACU VISA® Check Card is an ATM/Debit card that enables you to make purchases and withdraw cash from your ACU Checking account. It can be used anywhere VISA is accepted for purchases and at ATM's worldwide through the CIRRUS & STAR networks.

Make Surcharge-free withdrawals at over 57,000 ATM's nationwide with the following networks:

Allpoint STARsf and CO-OP. Click here to find surcharge-free ATM's near you.

Free Online Account Access
Using the Internet, ACU's secure Home Banking & Bill Pay* services allow you to:

View Account Balances & History
Transfer Funds
Pay Bills & more

Learn More>

* A monthly service fee of $6.75 will be charged when bill payment is not used during any given month.

Free 24-hour Phone Banking

Access your account(s) from anywhere at anytime using a touch tone phone & ACU'sAudio Response Teller (ART).

Check Account Balances
Transfer Funds
Verify Deposits & more

Request A.R.T. access today or Learn More>

Simplify Deposits

Your checks can be electronically deposited quickly and safely into your ACU accounts for immediate use with Direct Deposit. Learn More>

Avoid Embarrasement & Costly Fees

ACU offers three types of Overdraft Protection for your checking account:

Free Transfers from your savings or money market account
Advances on establishedReadi Cash Line-of-Credit (funds transfered in $50 increments).
Apply for a new Readi Cash Line now or Learn More>
Member Privilege – Automatically covers overdraft for accounts in good standing. Learn more>

Choose one or all of these options to protect against embarrassment and costly NSF fees. Please note that overdraft protection is unable to maintain minimums necessary to earn dividends.

Easy Record Keeping

A comprehensive monthly statement will be e-mailed to you on the third business day of each month detailing all of your deposits and transactions.

e-Statement benefits include:

Access to 14 months of statements
Online Account Reconciliation calculator
Download Capabilities

Choose the program that's right for you & make the switch, it's easy.

Complete Your Checking Account Application Now

Questions?
e-mail memberservices@argonnecu.org
Call (815) 267-7700 or (866) 469-6228

Wire Transfers

To send a Wire Transfer to ACU please follow the instructions below:

1. Wire Transfer to:	Members United Credit Union 4450 Weaver Parkway Warrenville, IL 60555 Routing Number: 271987635
2. Further Credit to:	Argonne Credit Union Account Number: 271975388
3. Final Credit to:	Member Name & Account Number