Ultimate Checking
All of the features. All for free. We call it Ultimate for a reason.
Everything you want in a checking account
Our Ultimate Checking account is designed to help our members save more of their hard-earned cash. We took everything you need in a checking account and put it all in one place because our goal is to create value - not profits.
No monthly service fees
No minimum balance requirements
Unlimited free ATMs worldwide
Unlimited debit card rewards
One point for every $5 spent1
Earns dividends on all balances
Free checks
Free transfers between Advancial and non-Advancial accounts
Access to Co-Op Shared Branch Network
Advanced Direct Deposit
Enroll in Advanced Direct Deposit and get paid up to two days earlier!2 Simply log in to cuAnywhere Online Banking and click "Enrollments" under the "Manage" tab on your Accounts Summary page.
Free cuAnywhere® Online Banking and Mobile App
Free overdraft transfers from savings or line of credit
No foreign transaction fees
Free instant-issue debit card
Save UpSM Program
Save Up makes saving an easy, automatic process. By automatically rounding up your transactions and depositing the difference into your savings account, you'll reach your savings goals in no time. Plus, Advancial matches 100% of your transfers for the first 30 days and 5% thereafter, up to $200 every year.
Save Up makes saving even easier.
Save Up makes saving even easier.
Save Up for Good
Save Up for Good works just like Save Up: every time you use your Visa debit card for a non-PIN based transaction, Save Up for Good will round up that transaction and transfer the difference to the Save Up for Good donations account.
Your donations will be combined with all of the other members who are participating in Save Up for Good and at the end of the year, all of the donations will be totaled and given to a well-deserving charity.
Your donations will be combined with all of the other members who are participating in Save Up for Good and at the end of the year, all of the donations will be totaled and given to a well-deserving charity.
Check Clear
Our courtesy overdraft program provides extra peace of mind for your checking account. This service requires opt-in and includes a $10.00 Insufficient Funds (NSF) fee per transaction which will be charged a maximum of twice per day. We also offer free overdraft transfers from savings or a line of credit.
Tools & Resources
Budget Calculators
Budgeting is hard, but we have some tools that can help! Use our calculators to simplify your finances.
- Calculate your net worth
- How much am I spending?
- How much should I be saving for college?
- Should I save money or pay off debt?
How-To Hub
A full library of step-by-step guides for using Advancial's products, platforms, and services.
Frequently Asked Questions about Ultimate Checking
No, your savings account is your share in Advancial. It gives you ownership and voting rights at the credit union. A savings account with a small initial deposit of just $5 is required to access all of Advancial’s financial services.
Yes, all of our checking accounts allow you to use any ATM worldwide, whether it’s an Advancial ATM or an ATM from another financial institution, for free. If you are charged ATM fees from another financial institution, we will automatically reimburse those fees.
You can activate your card in cuAnywhere® Online Banking, the Advancial Mobile App or by calling our Member Service Center at 800.322.2709, saying “activate my debit card” and following the prompts. Please have your card with you.
To activate your card in cuAnywhere® or the Advancial Mobile App:
To activate your card in cuAnywhere® or the Advancial Mobile App:
- Log in to cuAnywhere® Online Banking or the Advancial Mobile App
- Select Card Management > Card Maintenance
- Click Card Activation and follow the steps provided
- Log in to cuAnywhere® Online Banking or the Advancial Mobile App
- Select Card Management > Card Maintenance
- For cuAnywhere, click PIN Management
- Select the card in which you’d like to change your PIN and click Continue
- Enter your new PIN and click Save
- For the Advancial Mobile App, click PIN Set and follow the same steps mentioned above
If you’ve lost your card or believe it has been stolen, lock your card in cuAnywhere® Online Banking or the Advancial Mobile App immediately. You can also contact our Member Service Center at 800.322.2709 and speak with a Member Service Representative who will be able to lock your card and order you a new one.
To lock your card in cuAnywhere® or the Advancial Mobile App, follow these steps:
To lock your card in cuAnywhere® or the Advancial Mobile App, follow these steps:
- Log in to cuAnywhere® Online Banking or the Advancial Mobile App
- Select Card Management > Card Controls
- Select or add the card in which you’d like to lock
- For cuAnywhere®, click Lock or Unlock the card
- For the Advancial Mobile App, click the icon so that it shows Locked
- If you find your card, simply use the same steps to unlock it and begin using it again
- Log in to cuAnywhere® Online Banking or the Advancial Mobile App
- Select Card Management > Card Maintenance
- For cuAnywhere®, click Block Lost/Stolen Card
- For the Advancial Mobile App, click Card Blocking
- Select the card in which you’d like to block and click Block or Submit
You’ll need to provide your payroll department with our ABA Routing and Transit number (311078857) as well as your Advancial account number. Your Advancial account number should consist of seven (7) or eight (8) digits - the first five (5) or six (6) digits are your account number and the next two (2) digits are the account type suffix. Click here for more detailed instructions on setting up direct deposit.
It typically takes 30 days for direct deposit funds to start depositing into your account.
All members receive one free box of checks per year.
Simply click here and enter Advancial’s routing number (311078857), enter the account number you’d like to order checks for and your zip code.
You may also contact your local branch, our Member Service Center or order them in cuAnywhere® Online Banking.
To order through cuAnywhere:
You may also contact your local branch, our Member Service Center or order them in cuAnywhere® Online Banking.
To order through cuAnywhere:
- Log in to cuAnywhere® Online Banking
- Select Manage > Order Checks
- Select the account in which you’d like to order checks
- Fill out the information on the check order page you’re redirected to
If you use your Visa® debit card to make purchases, the merchant may put a hold on your account for the purchase amount. Once the charge comes through on your account, the hold is released.
Advancial offers two overdraft protection options: Overdraft Transfers and Check Clear® Courtesy Overdraft Privilege. These services can help you avoid declined transactions in case of insufficient funds. Enrollment is required to utilize these services. If you choose to enroll your checking account in both Overdraft Transfers and Check Clear Courtesy Overdraft Privilege, we will attempt to cover the transaction by the transfer method before using Check Clear.
Overdraft Transfers- A free service where funds are automatically transferred from your linked savings account to your checking about to cover overdrafts.
- NOTE: Federal regulations limit the number of certain types of withdrawals and transfers to savings to six per month.
- A discretionary service that may cover overdrafts up to your courtesy overdraft limit.
- You must be 18 years or older and have an account in good standing to be eligible to enroll.
- Offers two levels of protection:
- Check Clear for Checks, ACH and Debit Card Transactions
- Check Clear for Checks and ACH Transactions Only
- A $10 fee applies for each covered transaction, up to a maximum daily limit.
- Your account must be brought to a positive balance within 45 days. Check Clear services may be revoked if your account remains negative for more than 30 days.
- Log in to Online Banking
- Select Manage > Enrollments
- Click the green arrow next to Overdraft Transfer Protection or Courtesy Overdraft
- Select which account you’d like to enroll in the service and click Save
Save UpSM makes saving an easy, automatic process. Every time you use you Visa® debit card for a non-PIN-based transaction, we’ll automatically round up your transactions and transfer the difference from your checking account to your savings account. Plus, Advancial matches 100% of your transfers for the first 30 days and 5% thereafter, up to $200 per year!
Knowledge Center
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Estate planning is a smart thing to do to protect your assets and ease an already difficult time for your loved ones. However, starting the process and executing it effectively can be challenging. Making plans for distributing your money, home and other assets after you’re gone may be uncomfortable, but it’s important to address the topic so you and your loved ones are prepared.
July 19, 2022
Checking 101
A checking account that makes you pay to access your own money is no friend to your finances. The truth is, plenty of banks charge fees that can chip away at your account balance. That’s not the case at Advancial. As a not-for-profit credit union, our checking accounts are designed to benefit your bottom line, not a bank’s shareholders.
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Three simple digits. That’s all it takes to capture the quality of your credit history. It seems simple, but credit scores are an important tool that lenders use for virtually all loan and credit applications. Those three digits help lenders determine if they can trust you to repay a loan fully and on time.
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Dinero Teens: A Guide to Tipping
Knowing how and when to tip is a key part of growing up. Tipping is a way to show appreciation for good service and support people in jobs that often rely on tips to make a decent living. Here's a guide to help you navigate the sometimes-confusing world of tipping etiquette.
August 09, 2024
1
Earn one point for every $5 spent on all non-PIN-based transactions.
2
Early access to direct deposit funds is a free feature that you must opt-in to in cuAnywhere, and depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Standard fraud prevention restrictions apply. If your deposit doesn't arrive early, expect it to arrive on your scheduled payday. Not all direct deposits qualify.
All accounts subject to approval. Restrictions and limitations apply.
