Checking Accounts

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Checking Accounts

Get access to your money through the Ascentra Debit Card or ATM, by writing checks, or even through your smart phone.

Ascentra has the checking account options designed to give you the flexibility to manage your money how you want! So you do you!!!

 

Apply Here

 

 

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Checking Account Comparison

Visa Debit Card
uChooseRewards
No Service Charges
No Minimum Balance Required
Overdraft Protection
Courtesy Pay
Dividends Earned
Unlimited Transactions
eStatements
Card Valet
Digital Wallet
Digital Banking
Ideal for

  • Economy Checking

    Economy Checking is designed for members who prefer to use their debit card over checks. In addition to the benefits below, you will also receive monthly dividends for an average daily balance of $1,000 or more.
    Lower Balances, Saving Money

  • FreeBee Checking

    Freebee Checking is our most popular checking account and a honey of a deal. In addition to the benefits below, you will also receive no service or per check charges.
    Lower Balances, Saving Money

  • A+ Checking

    Avoid charges and take advantage of free services through A+ Checking. When members maintain a $10,000+ relationship, they receive monthly dividends (average daily balance of $1000+), overdraft protection, and a free box of standard checks with each order.
    Higher Balances, Earning Money
  • Members 65 years or better receive checks for free and no service charges!
  • No charge for transactions conducted at ATMs owned by Ascentra Credit Union
  • 5 FREE ATM transactions/inquiries per month at ATMs not owned by the credit union. If you exceed 5 ATM transactions/inquiries per month at ATMs not owned by the credit union, the charge is $1.00 each.
  • No surcharge fees (charged by the owner of the ATM) at Privileged Status Network ATMs.
  • FREE access to fraud protection through call and text alerts
  • Access your checking account free at 5,700+ CO-OP Shared Branch Locations nationwide.

Reorder Checks

You just looked in your checkbook and noticed that you are almost out of checks - oh no!

Don't worry, you can easily order more checks for your Ascentra Checking Account by filling out and submitting a simple form.

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Coming Soon! New Ascentra Contactless Debit Cards

The new, tap to pay cards will include enhanced card management features available within Digital Banking. You get all the same benefits and security you trust and additional benefits we can’t want to tell you about. 

We know changes to your debit card affect your day-to-day life. That’s why we will make sure to communicate important dates and any actions needed to ensure a seamless changeover of your credit cards. Visit our new cards page for more information and to stay up-to-date.

 

Ascentra debit card

 

 

 

 

Debit Cards

Your Ascentra Visa® Debit Card works like an ATM Card and can also be accepted like a credit card anywhere Visa is accepted with your money coming out of your checking account. 

  • No Annual Fee
  • Mobile Wallet Compatible
  • No charge for transactions conducted at ATMs owned by Ascentra Credit Union
  • 5 FREE ATM transactions/inquiries per month at ATMs not owned by the credit union. If you exceed 5 ATM transactions/inquiries per month at ATMS not owned by the credit union, the charge is $1.00 each
  • As an added layer of security, our cards come with a heightened level of fraud monitoring services, alerting you via a phone call and text if potential fraud is suspected, allowing you to confirm your purchase or stop fraud before it happens.


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Overdraft Protection

We want to make sure you’re covered in case you lose track of how much you’ve spent*. Members who have A+ Checking or Economy Checking can choose to**:

  • Advance a line of credit for no extra charge in $100 increments (for members who qualify).
  • Pull from your savings account in $100 increments for a $5.00 transfer fee.


*Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing or you have too many overdrafts. Ascentra Credit Union expects you to bring your account balance positive within 30 days.

**A fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means.

  • Visa® SRC (Secure Remote Commerce)

    two triangles pointing to the rightSwiping your debit and credit cards is so last year. Now you can click-to-pay with your Visa card any time you see this icon at an online retailer.

    This makes shopping online easy, smart and secure.

    Easy: Simply register your card and click-to-pay at any online retailer that has the symbol above and BOOM! Purchase made.

    Smart: Gone are the days of punching in your 16-digit card number, and filling out form fields to make a purchase. Because when you set up your Visa Secure, your primary info such as card number, passwords, address, etc. is remembered and automatically inputted, making your transaction that much faster. 


    Secure: With advanced technologies and multiple layers of security, Visa is among the top safest debit and credit card companies.

    Get Registered

  • Courtesy Pay

    When you open a checking account at Ascentra Credit Union you’re automatically covered with Courtesy Pay.

    For each transaction below your balance, there is a $29.50 Courtesy Pay transaction fee, which can save you from an embarrassing moment, or better yet, returned check and merchant fees!

    You will also avoid Non-Sufficient-Funds (NSF) fees.

    Disclosure

  • Lost or Stolen Visa Credit/Debit Cards

    If your Visa® credit or debit card has been lost or stolen and it is during business hours please call us at:

    1-563-355-0152 or 
    1-800-426-5241

    If calling outside of regular business hours please call card services at:

    1-800-472-3272 for Visa® debit or 1-855-632-9037 for Visa® credit







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