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Alpena Alcona Area Credit Union Online Banking

Checking Accounts

A share draft account is a credit union’s equivalent of a checking account, only better! Enjoy the benefits…no minimum balance requirements, no monthly service charges and unlimited check writing. Statements are free and generated on a monthly basis – you have the option of receiving a paperless eStatement or the traditional hard copy by mail.

Plus, all checking accounts are covered by our automatic overdraft protection – free of charge. Overdraft protection automatically transfers money from your savings account to your checking account to cover any checks, debits or other transactions trying to clear your account. And, you can give yourself an extra level of security when you apply for an OVERDRAFT PROTECTION LINE OF CREDIT – a loan product designed with you in mind, your protection that is…no bounced check fees to worry about!

You can also add simplicity to your life with a checking account from your credit union – free online account access, electronic bill payment and access to your money anytime, anywhere with a MasterMoney Debit Card that can be used anywhere MasterCard is accepted. And, let’s not forget our free direct deposit services or our easy online check reordering.

So, if you’re interested in saving both time and money our checking account is for you! Open your account today! Already have a checking account at another financial institution? It’s easy enough to switch!

Contact us to learn more.


Did you know that you no longer have to write out checks to pay your monthly bills. You can simply pay them by signing up for AAACU’s convenient bill payment service.


Federally insured by NCUA.