Give yourself the ultimate gift.

With Ultimate Checking, you’ll get to experience completely free checking. Open an Account

Give yourself the ultimate gift.

With Ultimate Checking, you’ll get to experience completely free checking. Open an Account

Take control of your checking account

 
  • No monthly maintenance fees
  • Unlimited free ATMs worldwide
    • Includes both Advancial and non-Advancial ATMs
  • Debit card rewards
    • One point for every $5 you spend
  • No foreign transaction fees
 
  • Free online/mobile banking
    • Make purchases with Apple Pay
    • Deposit checks with your phone
    • Pay your bills with the snap of a photo
    • Instantly transfer money between accounts
  • Free overdraft transfer from savings or line of credit

We’ll even help you save more money with our Save Up℠ Program. Every debit card transaction will be rounded up and the difference will be automatically transferred from your checking to your savings. We match 100% of your transfers for the first 30 days and 5% after that.
 
It’s just another way we’re helping you get the most out of your money.


Ultimate Checking Features

 
Monthly Service Fee None
ATM Fees None
Debit Card Rewards Yes! Earn 1 point for every $5 spent
Earns Dividends Yes
Account to Account Transfer Free

Take control of your money with Ultimate Checking. 

Stop by your local branch or call our Member Service Center at 800.322.2709 to open an account today!
All accounts subject to approval. Restrictions and limitations apply.

Get the Latest News

Hand holding car keys out of car window

How to Decide Whether to Buy or Lease a Car

Considering a new car? You’ll probably need some type of financing to make that happen. Find out whether it makes more sense to lease than to buy your next ride.
Continue to Article
Teens with credit card

Seven Money Saving Tips for Teens

Most teenagers probably won’t leap at the prospect of learning about personal finance on their own. That’s why it’s important to take the time to teach them smart money management.
Continue to Article
Chalkboard bar graph with piggy bank

Three Reasons You Need an Automatic Savings Plan

“Save money” is a timeless bit of personal finance advice, but actually doing it can be another story. If you need a way to boost your savings and stay consistent with your goals, setting up an automatic funds transfer can help.
Continue to Article
Leaving Advancial.org
You are leaving www.advancial.org and entering a site that is not operated by Advancial Federal Credit Union. Advancial does not provide and is not responsible for the product, service, overall website content, security or privacy policies on any external third-party site.
Continue
Equal Housing
We do business in accordance with the Federal Housing Law and the Equal Opportunity Act.

Leaving Advancial.org. You are leaving www.advancial.org and entering a site that is not operated by Advancial Federal Credit Union. Advancial does not provide and is not responsible for the product, service, overall website content, security or privacy policies on any external third-party site.
Continue
NCUA
Your savings are deferally insured to at least $250,000 and backed by the full faith and credit of the United States government.

Leaving Advancial.org. You are leaving www.advancial.org and entering a site that is not operated by Advancial Federal Credit Union. Advancial does not provide and is not responsible for the product, service, overall website content, security or privacy policies on any external third-party site.
Continue
My Loan Applications
You are leaving www.advancial.org and entering the Loan Applications site.
Continue