Checking
Need to organize your spending and savings accounts?
Set up Sub-Accounts at ASCU
Sub-Accounts are extensions of your Checking and/or Savings account that allows 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 from your Checking or Savings so your sub-accounts grow over time. You can set up as many sub-accounts as you need. Set up sub-accounts for vacation savings, unforeseen 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 Sub-Accounts. Just come into a branch and ask us to set them up.
If you are already a member and using digital banking, you can create your own sub-accounts right from the App or from home on our digital banking platform.
Classic Checking
This checking account offers you convenience with no minimum balance and no monthly fee. You may receive:
- Low-cost duplicate checks for easy balancing!
- VISA® Debit card
- Overdraft protection from your savings or sub-accounts
- Overdraft Protection Program for checks, ACH, and Visa Debit transactions
- Free Online Banking and Bill Payment
- Free unlimited use of ASCU ATM’s
- AllPoint ATM Network access
Prestige 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
- Overdraft protection from your savings or sub-accounts
- Overdraft Protection Program for checks, ACH, and Visa Debit transactions
- Free Online Banking and Bill Payment
- Free unlimited use of ASCU ATM’s
- 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.
Mobile & Online Banking
Remote Deposit- Deposit checks from anywhere using your smart phone!
- Deposit checks remotely with the ASCU Mobile App.
- Enroll for Remote Deposits when you set up your account.
- Download the app.
- Snap a photo of the front and back of your endorsed check. It’s fast and secure!
- The login and password for the ASCU app are the same as your Anytime Online Home Banking login.
The app is free to download and may require updates from time to time; your device will let you know when those updates are available.
With the Mobile Banking App You Can:
- View all of your account balances
- Pay bills*
- Make Transfers**
- Review account history up to 30 days
- Schedule a single payment
- View, edit, or delete pending payments
- View payment history
- Research previous transactions
- View alerts
- Deposit checks when you enroll with the Remote Deposit feature.
*NOTE: Members must register and set-up payees on a PC before utilizing bill payment through Anytime Mobile Banking
**More than one account is required in order to make transfers.
Online Banking
You can have an American Southwest Credit Union branch with you 24/7 by enrolling in home banking – 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!
- Free Check Image Retrieval – Retrieve and print a full-page image of your cleared checks online
- Obtain current balances for savings, checking, and loan accounts
- Withdraw funds from savings, checking, or line of credit
- Verify that a particular check has cleared your account
- Transfer funds between your accounts
- 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
- Free Bill Pay using your checking account
- And much more!
To enroll in Home Banking, please see a friendly Member Service Representative at any of our convenient locations.