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    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 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.

    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?
    Do the Math

    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:
    1. Log in to cuAnywhere® Online Banking or the Advancial Mobile App
    2. Select Card Management > Card Maintenance
    3. Click Card Activation and follow the steps provided
    1. Log in to cuAnywhere® Online Banking or the Advancial Mobile App
    2. Select Card Management > Card Maintenance
    3. For cuAnywhere, click PIN Management
    4. Select the card in which you’d like to change your PIN and click Continue
    5. Enter your new PIN and click Save
    6. For the Advancial Mobile App, click PIN Set and follow the same steps mentioned above
    You can also contact our Member Service Center at 800.322.2709, or 1+ 214.880.0141 for international calling, and say “change my debit card PIN”. Please have your card handy.
    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:
    1. Log in to cuAnywhere® Online Banking or the Advancial Mobile App
    2. Select Card Management > Card Controls
    3. Select or add the card in which you’d like to lock
    4. For cuAnywhere®, click Lock or Unlock the card
    5. For the Advancial Mobile App, click the icon so that it shows Locked
    6. If you find your card, simply use the same steps to unlock it and begin using it again
    If you know your card has been stolen, follow these steps:
    1. Log in to cuAnywhere® Online Banking or the Advancial Mobile App
    2. Select Card Management > Card Maintenance
    3. For cuAnywhere®, click Block Lost/Stolen Card
    4. For the Advancial Mobile App, click Card Blocking
    5. 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:
    1. Log in to cuAnywhere® Online Banking
    2. Select Manage > Order Checks
    3. Select the account in which you’d like to order checks
    4. 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.
    Yes, Check Clear® Courtesy Overdraft is tied to your checking account. This service includes a $10 Non-sufficient Funds (NSF) fee which will be charged a maximum of twice per day. We also offer free overdraft transfers from a savings account or a line of credit.

    Enrolling in Overdraft Transfer Protection is easy:
    1. Log in to cuAnywhere Online Banking
    2. Select Manage > Enrollments
    3. Click the green arrow next to Overdraft Transfer Protection
    4. Select which account you’d like to add Overdraft Transfer Protection and click Save
    You can also contact our Member Service Center at 800.322.2709 to enroll.
     
    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

    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.
    May 02, 2023
    Ditch the Debt
    Getting out of debt may sometimes feel like digging out an entire beach with a child’s toy shovel. But ditching your debt is not impossible. First, it’s important to remember that not all debt is bad. Some debt helps you live a more fulfilling life.
    February 27, 2023
    Make a Plan to Reach Your Financial Goals
    Think about your financial goals for a moment. Do you picture yourself buying a home or taking a much-needed vacation? Are you focused on building a financial safety net or saving for retirement? Although challenges and setbacks may throw you off course, it’s easier to bounce back when you have a plan for reaching your goals.
    December 05, 2022
    Mobile Wallets Provide a Contactless Way to Pay
    Tired of carrying around a wallet stuffed with cards? Don’t like waiting for a chip card to process? Worried about the germs on the payment terminal? Try using a mobile wallet!
    June 22, 2023
    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.
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