Checking
Round Up Savings
Now available at ASCU! From your checking account, you can choose to round up each debit card transaction to the nearest dollar or another amount of your choosing and have it automatically transferred to your share savings account. Members, to get started, click the chat icon at the bottom of this page.
Classic Checking
Because sometimes simple is the best answer.
- No minimum balance
- No monthly fee
- Low-cost duplicate checks for easy balancing
- VISA® Debit card
- Draft path* protection from your savings or sub-accounts (set up in branch or within digital banking)
- **Overdraft Protection Program for checks, ACH, and Visa Debit transactions (must opt-in)
- Free Online Banking and Bill Payment
- Free unlimited use of ASCU ATM’s
- Surcharge Free AllPoint ATM Network access
*A “draft path” may protect your account from overdraft. Your draft path can be set up when you open your account at a branch or you may set it up within online banking. When a draft path is set up, if you do not have sufficient funds in the account you are trying to draw from, we will attempt to cover your transaction by pulling available funds from other accounts you have chosen.
**Overdraft protection is a method by which your transactions could be covered up to a certain dollar amount. See account disclosures for additional details. Fees may apply.
Apply for Checking Account & MembershipPrestige Checking
For astute money managers, try Prestige Checking! With a minimum daily balance of $2,000.00, there is no monthly fee*. Prestige Checking entitles you to:
- FREE standard Credit Union checks
- VISA® Debit card
- Draft path** protection from your savings or sub-accounts (set up in branch or within digital banking)
- ***Overdraft Protection Program for checks, ACH, and Visa Debit transactions
- Free Online Banking and Bill Payment
- Free unlimited use of ASCU ATM’s
- Surcharge Free AllPoint ATM Network access
*Note: If your balance falls below $2,000.00 on any one day during the month, a $10 monthly fee will be applied to your account. Each day the balance falls below $2,000.00, the account will not earn a dividend.
**A “draft path” may protect your account from overdraft. Your draft path can be set up when you open your account at a branch or you may set it up within online banking. When a draft path is set up, if you do not have sufficient funds in the account you are trying to draw from, we will attempt to cover your transaction by pulling available funds from other accounts you have chosen.
***Overdraft protection is a method by which your transactions could be covered up to a certain dollar amount. See account disclosures for additional details. Fees may apply.
Apply for Checking Account & MembershipStash & Cash – Exclusively for Teens
Our Stash & Cash exclusive teen duo comes complete with a share savings account and checking account with a debit card for purchasing power. Teens 13-17 are invited to open a Stash & Cash account and download our award-winning mobile app to easily manage their funds on the go. Using the app they can transfer money between their two accounts, deposit checks, review transactions and balances, and take advantage of our money management videos and workshops. Throw away the piggy bank and give your teen a real money experience.
*Due to federal and state regulations, this account is not eligible for overdraft protection. However, a draft path from another account can be established when the account is set up or through the banking app.
Apply for Membership
Not a member of ASCU? You can apply for membership and a checking account online!
For membership and eligibility details, go to: Eligibility – American Southwest Credit Union (ascu.org)
Select “New Member Account.” Add “Share Savings” (required for membership) and “Checking” once the application is open.
Apply Now for Membership & Checking AccountMoney Management Video Series
Access our financial education video series. Great for adults and teens who want to test their knowledge about money management.
Click Here to explore “It’s A Money Thing” video series.
Build A Budget
Click here for our worksheet that calculates for you.
Bank Online from Home or your Smart Phone
Easily bank online from home. Click on the red login button from the top right of this screen.
Want to use your smart phone instead? Download our App!
Need to organize your money for better financial management?
Set up Savings Sub-Accounts at ASCU
In addition to your checking account, sub-savings accounts are extensions of your savings account that allow you to easily set aside money for specific long-term purposes. Be prepared for upcoming expenses by setting up automatic transfers into your sub-accounts so they grow over time. You can set up as many sub-accounts as you need, name them according to your savings goal, and watch your money grow. When that bill comes due, simply transfer the money from that sub-account to your checking account and pay the bill.
Set up sub-accounts for “Vacation Savings”, “Car Repairs”, “Property Taxes”, “Home Repairs”, “Income Taxes”, “Insurance Premiums”, and much more.
Get the most out of your Spending and Savings Accounts with ASCU Savings Sub-Accounts. Just come into a branch and ask us to set them up.
No time to come in? Just chat with us and we’ll set them up. Login to online banking and click the chat icon to get started.
Bank Anytime Online! You’ll have full access to your accounts for easy online transactions. You’ll be amazed what you can do in the comfort of your home or office!
Remote Deposit- Deposit checks from anywhere using your smart phone!
- Enroll for Remote Deposits when you set up your account
- Download our free, award-winning app onto your smart phone
- Snap a photo of the front and back of your endorsed check. It’s fast and secure
Other Digital Banking Features:
- View all of your account balances, including checking, savings, and loan balances
- Pay bills*
- Make Transfers**
- Review account history up to 30 days
- Schedule payments
- View, edit, or delete pending payments
- View payment history
- Free Check Image Retrieval – Retrieve and print a full-page image of your cleared checks online
- Verify that a particular check has cleared your account
- Verify that deposits were received and credited
- Obtain year-to-date information on dividends paid on savings and interest paid on loans
- Obtain payroll deposit information
- Order checks
- Free E-Statements
- View and set up alerts
**More than one account is required in order to make transfers.
Need access to your account in different locations? We are part of the Co-Op Shared Branch Network.