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Checking Products

Checking Accounts

Experience the AAACU difference by opening a share draft account with products and services designed to enhance and simplify your life. 

  • No minimum balance required
  • No monthly service charges
  • Unlimited check writing
  • Covered by overdraft protection
  • Free online account access
  • Free Bill Pay
  • Free Direct Deposit
  • Online New check ordering
  • Online check reordering

Health Savings Accounts

Does your employer offer Health Savings Accounts for managing your current medical expenses? Check out the competitive rate on our HSAs and consider switching to AAACU today!

  • No minimum balance required
  • Current rate of 5.12% APY*
  • Debit cards available 
  • Pre-tax contributions
  • Interest accrued is tax-free
  • Funds roll over from year to year

*Any fees incurred may reduce earning on the account. Rate effective as of July 1, 2023. Rate is subject to change. Dividends compounded and credited quarterly. 

In addition, you can apply for an Overdraft Line of Credit to protect your account from being assessed overdraft fees.

Let AAACU simplify your life, work in your best interest, and be your partner to help achieve your financial goals by opening or switching your account to Alpena Alcona Area Credit Union today!

Open an Account          Switch to AAACU

Check Ordering

Ordering checks with AAACU has never been easier! Simply complete the reorder form below, or scroll to the bottom and upload a picture of your reorder form.

Please fill out form as you want your information to appear on your check.

Mailing Address

Mail to the Credit Union:

Remember to sign for your purchases for added security!
You should always sign for your purchases when using your debit card. When you sign for your purchases instead of using your personal identification number (PIN), you get security protections that help prevent and detect fraud.