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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 Refunded¹
  • 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



¹ATM fees will be refunded up to $25 per month, only if you met all of the SmartRate eligibility requirements.

*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.

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