CHECKING

Manage Your Money with Our Convenience Services

Your lifestyle today is probably a lot more hectic than it was ten years ago. Managing your finances isn't as easy either. Fortunately, your credit union has come up with a special package of convenience services that allow you to access your accounts and conduct financial transactions from anywhere, at anytime. Services so fast, easy, and convenient that you'll wonder how you lived without them.

• Share Draft/Checking Account
• Home Branch
• FREE Electronic Bill Payment
• MasterMoney Debit/ATM Card
• MasterCard Credit Card
• Direct Deposit
• Payroll Deduction
• Reorder Checks Online

An American Community Federal Credit Union Share/Draft Checking Account is your alternative to the high checking fees and service charges at other financial institutions.

Discover how easy it is to manage monthly finances with our full-featured checking account.

• NO Minimum Balance
• NO Monthly Service Charge
• NO Per Check Charge
• Automatic Overdraft Protection

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Your internet access is your road to the convenience of an online branch. Enter the American Community Federal Credit Union "virtual branch" here to:

• Perform Financial Transactions
  
• View Account Balances
  
• View Account History
  
• Transfer Funds
  
• Export History (to your personal financial software)

Sign up today and start visiting your "virtual branch."

If you enjoy using our web site to find out what's going on in your credit union, you are going to love our Electronic Bill Payment Service. Paying bills has never been easier.

• Conveniently pay bills
• Review payment history
• Check on pending payments
• Set up a personal payee list
• Easily find transactions

If you have your User ID and PIN, you can login now: Bill Payer

Our ATM/Debit Card means less hassle and more convenience for you.

Use it as a check wherever the MasterCard logo is displayed, or use it as an ATM card. Look at these advantages.

• Use it as you would a check at merchants and vendors wherever you see the MasterCard logo. You avoid hassles over ID, and since it's a card there is no check to write.
• Use it as you would a credit card when making purchases, making reservations, paying for hotel and motel rooms, shopping by phone, or for any other reason that you would use a credit card. Since the money is taken from your Share Draft/Checking Account, there's no interest to pay.
• Use it as an ATM Card to withdraw money at ATMs everywhere. It is safe. No cash to carry or lose.

Do you have one? Call or drop by the credit union to apply for a Check Card.

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It's perfect for shopping, travel, and in case of an emergency. Take advantage of the savings and convenience it offers when you need instant borrowing power!

• LOW 9.5% APR
• NO Annual Fee
• NO Application Fee
• 25-Day Grace Period On Purchases
• Cash Advances
• Available At Same Low Rate
• And More!

Our MasterCard is a revolving line of credit loan and requires interest to be paid on any unpaid balance.

Now you can manage your American Community FCU MasterCard Online!

eZCardInfo is now here!
American Community’s eZCardInfo is an interactive tool that allows you to manage your personal spending and credit card account information 24 hours a day / 7 days a week. By visiting www.eZcardInfo.com, you will have complete access to many features. More Info

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Managing money is easier when your net paycheck, Social Security, or pension check is automatically deposited into your Share Draft Checking or Share Savings Account.

With Direct Deposit, your money is available immediately, is safe, and is in compliance with government regulations.

With Direct Deposit:

• Your money is available immediately. No driving to the credit union office to make your deposit. While you are eating lunch, playing golf, or having fun with your children, your money is deposited in your account and is ready and waiting to pay bills, withdraw, or wait for your next need.
• Your money is safe. You don't have to carry your check or large sums of cash around with you. It is deposited and ready for you.
• You comply with government regulations. All federal payments are now issued by electronic funds transfer (EFT), also known as Direct Deposit. If you will be receiving veteran's benefits, Social Security, military pensions or salaries, or any other government payment, you'll need Direct Deposit. (Check with our staff; they can help you set up this service.)

Direct Deposit provides the convenience, security, and government compliance that you need to effectively manage your money.

Call us or visit us for more information about Direct Deposit.

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Whether it's your auto loan, Home Equity Loan, Personal Loan , or any other credit union loan, paying is easy. Simply designate the amounts of monthly payments that you want deducted from your pay,  and your payments are made. No late charges. No running to the mail box. No hassle.

Deposits can be made to savings accounts and club accounts automatically with our no fee transfer service. And your IRA financial planning is easier with the automatic Payroll Deduction option at American Community FCU.

Payroll Deduction is another American Community FCU money management service that is convenient and FREE! Combine it with Direct Deposit and Share Draft/Checking for a really convenient money management team.

For more information on this convenient service from your credit union, call us or visit us.

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You can order your checks online from your own PC. Click here to build your checks online right now.

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