Minimum Opening Deposit
Account may be opened with a deposit of any amount.
Monthly Service Fee
This account requires electronic statements.
Debit Cards & Using ATMs
This account includes 'Cash-Back' to put money back into your account based on your debit card usage. Earn $0.10 and 10 PlusPoints every time you swipe and sign or use linked Apple Pay for purchases.Earn $0.05 and 5 PlusPoints for PIN-based purchase transactions. There is no annual fee for this program.
Surcharge-Free ATM Access
Surcharge-free ATM access is available at all Alliance of Austin ATM locations and at freecuatms.org
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.
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 There is an additional international transaction fee equal to a small percentage of the amount withdrawn.
Electronic & Telephone Banking
Online Bill Pay
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.
Deposit Checks with Mobile Phone
Available-$0.50 per payment
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
Checks & Statements
Unlimited Check Writing
Free or Discounted Checks
Monthly Paper Statements
Check Images with Statements
E-Statements are required with this account.
Online Check Images
Images of canceled checks can be viewed online.
Overdrawing the Account
Returned Item Fee
The Insufficient Funds Fee is $19.50 per overdraft.
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.
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."