1.75% APY* on your balance!

Introducing Umbrella Checking. Everything you want in a checking account.

Earning these rewards is simple... just use the services we're giving you with the account:

  1. Use your debit card at least ten times per cycle. (Sorry, ATM withdrawals do not count as debit card transactions.)
  2. Establish at least one regular direct deposit of a payroll or government check, or set up an automatic debit.
  3. Receive Electronic Statements, known as e-Statements.
  4. Access Online Banking at least once each cycle.

If you have questions, please visit our Help Center, or contact us for assistance.


*To earn The Umbrella Checking rates you must complete the following 3 items: have 12 debit transactions, have an eStatement and have one Direct Deposit per statement cycle. The 1.750% Annual Percentage Yield (APY) applies to the first $25,000. Balances over $25,000 earn an APY of 0.250%. When monthly requirements are not met each monthly statement cycle, the base rate of 0.10% APY will apply to the entire balance for the statement cycle. Minimum to open the account is $100. **Umbrellas are on a first-come, first-serve basis and are limited while supplies last and are only available to accounts opened with funds from a non ACU account.

**At the end of each monthly statement period, we will refund up to $10 of the charges you have for using other banks' ATMs if you meet the monthly account qualifiers.