Checking Account Comparison

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Associated Credit Union of Texas

800-848-0330
Routing: 313189401

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Associated Credit Union of Texas

Accounts

ACU Checking

Our Standard, Free Checking Account

No minimum opening deposit or balance requirements
No monthly fees
50,000+ Fee-Free ATMs worldwide

Learn More about ACU Checking

Premier

Earn Higher Dividends on Higher Monthly Balances

Earn up to 2.00% APY*
No monthly fee when balance requirements are met
$100 minimum opening deposit

Learn More about Premier

Hero Rewards

Benefits for Veterans & First Responders

No minimum opening deposit
Exclusive Hero Debit Card designs
Complimentary Restoration Rescue

Learn More about Hero Rewards

Silver Star

For Members Age 55 and Better

No minimum opening deposit or balance requirements
No monthly fees
Complimentary Checks

Learn More about Silver Star

Student

Teaches Youth Ages 12–22 Smart Spending Habits

No minimum opening deposit or balance requirements
No monthly fees
Four (4) waived ATM fees per month

Learn More about Student

180 Checking

Second Chance Checking

$25 minimum opening deposit
No minimum balance requirement
Courtesy Pay ($100 limit)

Learn More about 180 Checking

Benefits

Free E-Statements

No more waiting for your bank statement to arrive!

eStatements are quicker and more secure, allowing you peace of mind when it comes to reviewing your account each month.

Free ATM Transactions

Now with an additional 50,000 ATMs!

You can find Allpoint ATMs virtually anywhere your travels may take you. With over 55,000 participating ATMs, your cash is never far away.

Free Mobile & Online Banking

Convenient Online Access 24/7!

Check transaction history, account balances, pay bills, make transfers and locate our nearest ATMs and branches all in the palm of your hand.

Free Telephone Banking

Say Hello to the power of text and phone banking!

Check transaction history, account balances, pay bills, make transfers and locate our nearest ATMs and branches all in the palm of your hand.

Free Online Bill Pay

Fast, Secure, and Worry-Free!

Easily pay your bills online without the hassle of writing checks or buying stamps!

Free MasterCard Debit Card

Easily Buy the things you need — online or in-store!

Plus, for added convenience and protection, our cards are contactless - just tap and go at checkout!

Compare

Earns Dividends

Opening Deposit

Minimum Balance Required

Monthly Service Fee

Direct Deposit

Remote Deposit

Courtesy Pay Limit

Benefits Plus^®

More Info

Premier Checking

Earns Dividends YES Earns Higher Rate on balances up to $20,000 (when qualifications met*)
Opening Deposit $100
Minimum Balance Required $5,000 to avoid monthly service fee
Monthly Service Fee $5²
Direct Deposit YES
Remote Deposit YES
Courtesy Pay Limit $500
Benefits Plus^® $4.50/Mo.

Click to expand more Info

ACU Checking

Earns Dividends YES When $2,500 avg. daily balance is maintained
Opening Deposit N/A
Minimum Balance Required None
Monthly Service Fee $0
Direct Deposit YES
Remote Deposit YES
Courtesy Pay Limit $500
Benefits Plus^® $4.50/Mo.

Click to expand more Info

Student Checking

Earns Dividends YES When $1,000 avg. daily balance is maintained
Opening Deposit N/A
Minimum Balance Required None
Monthly Service Fee $0
Direct Deposit YES
Remote Deposit YES
Courtesy Pay Limit $500 N/A < 18 Yrs.
Benefits Plus^® $4.50/Mo. N/A < 18 Yrs.

Click to expand more Info

Hero Checking

Earns Dividends YES When $2,500 avg. daily balance is maintained
Opening Deposit N/A
Minimum Balance Required None
Monthly Service Fee $0
Direct Deposit YES
Remote Deposit YES
Courtesy Pay Limit $500
Benefits Plus^® Comp.

Click to expand more Info

Silver Star Checking

Earns Dividends YES When $2,500 avg. daily balance is maintained
Opening Deposit N/A
Minimum Balance Required None
Monthly Service Fee $0
Direct Deposit YES
Remote Deposit YES
Courtesy Pay Limit $500
Benefits Plus^® $4.50/Mo.

Click to expand more Info

180 Checking

Earns Dividends NO
Opening Deposit $25
Minimum Balance Required None
Monthly Service Fee $10
Direct Deposit YES
Remote Deposit YES Subject To Approval
Courtesy Pay Limit $100
Benefits Plus^® $4.50/Mo.

Click to expand more Info

*Premier Checking – Higher Rate Qualifications: 10 Signature based debit card transactions (of at least $5.00 each) cleared per calendar month. Direct Deposit of at least $500.00 per month. E-statements required.

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The Fine Print

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Join The CU That Cares

When you become an Associated Credit Union of Texas member, you become part of everything we do to improve the quality of life in our community.

We pass the savings back to our membership in the form of lower loan rates, higher savings rates and improved service.

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Let's Hear From #happyACUTXmembers!

Justine's story about services

I have no complaints about my services with ACU. There’s nothing I would change, the online services offered are wonderful and the in-person service is even better.

Justine – Member

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Mobile Access to your Accounts Anytime, Anywhere!

Easy Access on the Go

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Manage It All
Deposit From Anywhere

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The ACU of Texas Mobile app allows you to view your transaction history and account balances, pay bills, make transfers and locate our nearest ATMs and branches!