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What makes a checking account valuable isn't the amount of money in it – it's the amount of thought we put into it. At Allegacy, our Checking Accounts are designed to help you make your money work harder and smarter with higher yields and lower fees. And whether you're a high school senior or a senior citizen, you're entitled to the same perks, like a free Visa® Check Card, and free services like direct deposit, overdraft protection and WebBanking™. Allegacy makes it easy to find the Checking Account that fits your lifestyle and financial goals.

Open a Savings, Checking or Certificate now.

Earn premium dividends and receive refunds on ATM fees nationwide.

  • No Monthly Service Charge
  • No Minimum Balance
  • Dividends
  • ATM Fees Refunded
  • Requirements


Allegacy Preferred Checking
Earn dividends with this straightforward, simple checking account.

  • $3 Monthly Service Charge or Free with Monthly Minimum Balance
  • $250 Minimum Balance
  • Dividends
  • Free Checks with Direct Deposit

Personal Checking Features
Enjoy these features no matter which account you choose.

  • Free Allegacy Visa® Check Card
  • Free WebBanking™ and PhoneBanking
  • Free eStatements
  • Free WebPay™
  • Free FinanceWorks™
  • Complimentary financial review and insurance analysis
    from an Allegacy Investment Group* advisor
  • Free Direct Deposit
  • Free Overdraft Protection
Features SmartRate Allegacy
Preferred Checking
Monthly Service Charge None $3, or Free with Monthly Minimum Balance
Opening Balance $50 $50
Minimum Balance None $250
Dividends Earned Yes Yes
Free Allegacy Visa® Check Card Yes Yes
Free Direct Deposit Yes Yes
Free Overdraft Protection Yes Yes
Benefits ATM Fees Refunded Free Checks with DD



APY = Annual Percentage Yield

†This Promotional Offer of 3.49% APY on SmartRate Checking Account balances of $0-$25,000 is only available on NEW Accounts for the first 6 months opened between July 1, 2015 and July 31, 2015 and must meet all SmartRate Checking eligibility requirements. Rates, products and services are subject to change without notice. Limit of one new account per member.

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Allegacy Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

**Credit Alert®, Card PatrolSM, Everyday Rebate Rewards, Everywhere Cash SavingsSM, Savers Club®

1Credit Alert® is not a credit counseling service and does not promise to help you obtain a loan or improve your credit record, history or rating. The Credit Alert service may be modified or improved at any time and without prior notice. Credit Alert is a registered service mark of Affinion Publishing, LLC. Daily monitoring will notify members of any inquiries, certain derogatory information, accounts, public records or change of address that have been added to their credit reports as reported by one of the major credit reporting agencies. If no information has been added or changed, then the member will receive a quarterly notification stating that no information has changed within their credit file. The Plan Administrator, the provider of the Credit Alert service, Financial Services Association, or its credit information subcontractors shall not have any liability for the accuracy of the information contained in the Credit Alert reports which you receive, including any liability for damages, direct or indirect, consequential or incidental.

2Card PatrolSM monitors up to ten registered credit/debit cards on the Internet, based on extensive research of Internet chat rooms; however, it is impossible to ensure that all Internet chat rooms have been searched for your personal information. Accordingly, your monitoring alert reports may not contain or apprise you of all your personal information that is publicly available or that may have been compromised.

3At the end of each quarter, send an Everyday Rebate Rewards request form and receipts for up to $100 of purchases to receive 10% back for a total of up to $10 each quarter (up to $40 annually). Receipts must be a minimum of at least $10 each quarter and membership must be active at time of purchase and redemption to receive a rebate.

4For cash back rewards, you must access the retailer's link through the Everywhere Cash Savings website provided. Purchases you make by going directly to a participating merchant's website do not qualify for cash back. Rewards will be issued automatically via check and mailed within 90 days from date of purchase or when your minimum awards amount reaches $2.00, whichever is later. Visit www.everywherecashsavings.com for complete terms and conditions. Participating merchants may change at any time without notice. Merchant restrictions and limitations are provided through each merchant's landing page.

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Allegacy is federally insured by NCUA and is an Equal Housing Lender. © 2015 Allegacy Federal Credit Union
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