Minimum Opening Deposit
Account may be opened with a deposit of any amount.
$0.00
Monthly Service Fee
The Monthly Service Fee of $5.00 can be waived by maintaining a minimum daily balance of $500.00.
$5.00
Annual Percentage Yield (APY)
The account earns 0.05% interest for balances over $500.00.
0.05%%
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Surcharge-Free ATM Access
Surcharge-free ATM access is available at all Alliance of Austin ATM locations and at freecuatms.org
Yes
Non-affiliated ATM Usage Fee
There is a $1.50 fee each time you use a non-affiliated ATM. In addition, you have access to over 200 surcharge-fee machines listed at freecuatms.org.
$1.50/per use
International ATM Usage Fee
There is a $1.50 fee each time you use a non-affiliated ATM. There is an additional international transaction fee equal to a small percentage of the amount withdrawn.
$1.50/per use
Electronic & Telephone Banking
Online Bill Pay
There is a $7.50 per month charge for any month that you don't use billpay.
$7.50/month
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, locate ATMs.
Free
Deposit Checks with Mobile Phone
Free
Person-to-Person Payments
Available-$0.50 per payment
$0.50/payment
Email Alerts
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- Notice of deposits or withdrawals over a certain threshold;- The bad news that your account balance is below $0;- An email to let you know there's a secure message for you in Online Banking;- Priority Online Account notifications (i.e., change of password).
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
No
Monthly Paper Statements
$5.00/month
Check Images with Statements
Not Included
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online.
Yes
Overdrawing the Account
Returned Item Fee
The Insufficient Funds Fee is $19.50 per overdraft.
$19.50/per item
Overdraft Protection
This checking account has 2 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $4.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.From a linked Overdraft Line of Credit:- Transfer fee of $4.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.
Available
About A+ Federal Credit Union
From A+ Federal Credit Union's website: "A+ Federal Credit Union was founded in 1949 by a group of 50 teachers [...] Today, we have over 100,000 members and are one of the largest Credit Unions in Texas."