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Whitney - Member Since 2003

Checking Accounts

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Minimum Opening Deposit
Ways To Avoid Monthly Fee
Monthly Fee
Unlimited Check Writing
Earns Dividends on balances over $10,000
Free Web Bill Pay
Free Money Order / Official Bank Checks
Free Checks
Daily ATM Withdrawal Limit

Learn More About Our Personal Accounts

Ascend Checking

Ascend Checking is our free personal checking account that will not have any monthly maintenance fees, ever. Whether you are just starting your financial journey or reaching the age where a fixed income is a reality, Ascend will grow with you and provide amazing benefits along the way:

  • No monthly maintenance fee. No gimmicks. Ever.
  • Free credit score, monitoring and reporting. Updated daily.
  • Dividends earned on higher balances.
  • ID theft protection.

To go along with your Ascend Checking account, you receive free credit score, report and monitoring as well as free Identity Theft Protection. To take advantage of Mastercard free Identity Theft Protection, click here to learn more and enroll.

As an Altura Debit cardholder, you get a variety of different benefits with your Mastercard. Click here for the full benefits guide.

Rates Effective Date: December 7, 2019
AccountOpening DepositRateAPY^
Ascend Checking - Average daily balance of $0.00 to $9,999.99$25.00+0.00%0.00%
Ascend Checking – Average daily balance of $10,000.00 to $49,999.99$25.00+0.05%0.05%
Ascend Checking – Average daily balance of $50,000.00 and higher$25.00+0.20%0.20%

^ APY = Annual Percentage Yield.

To download a Rate Sheet, click here.

*The dividend for Tier I annual percentage yield will be paid on accounts maintaining an average daily balance of $10,000.00 during the statement cycle and the dividend for Tier II annual percentage yield will be paid on accounts maintaining an average daily balance of $50,000.00 during the statement cycle. Any account not qualifying for Tier I or Tier II will not earn dividends. Waived Fee for Cashiers Checks and Money Orders for Tier I or Tier II.

**Active Membership (5 swipes or loan) required for anytime credit score.

Wealth Builder Checking

This product is perfect for simplifying and organizing your finances. This high-rate liquid checking account is great for merging existing CDs, Savings and Money Markets into a Checking Account that earns a great yield.

  • No monthly fee with a minimum daily balance of $10,000.
  • Minimum opening deposit is $10,000 new money and a minimum investment of $50,000 with CFS, Wealth Management.
  • No per-check charges
  • Free Money Orders and Cashier’s Checks
Rates Effective Date: December 7, 2019
Account TypeOpening DepositRateAPY^
Wealth Builder^$10,000+0.93%0.93%

$10,000 minimum daily balance required to earn dividends (minimum of ten (10) debit card transactions per month in order to receive stated rate and a $50,000.00+ CFS relationship required.

^ APY = Ann...

READ MORE +

$10,000 minimum daily balance required to earn dividends (minimum of ten (10) debit card transactions per month in order to receive stated rate and a $50,000.00+ CFS relationship required.

^ APY = Annual Percentage Yield.

^^ Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may carry investment risk including possible loss of principal. Investment Representatives are registered through CFS. Altura Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. To earn the stated rate, the WealthBuilder account has to have a minimum of ten (10) debit card transactions per month and a minimum daily balance of $10,000. For any month in which the transaction activity threshold is not met, the rate for that month will default to 0.20% on balances for the previous month. For any month in which the minimum balance requirement is not met, the rate for that month will default to 0.00% on balances for the previous month.

To download a Rate Sheet, click here.

READ LESS -

MyMoney Checking

When you’re just starting out, you don’t need a super complicated checking account. If you’re between the ages of 12 and 17, you qualify for a youth account through Altura. This is a simple account that gives you the opportunity to learn how to manage your money.

Features:

  • Comes with a debit MasterCard
  • Online account access with E-Statements
  • No monthly fee
  • No minimum balance

Ascend Checking

Ascend Checking is our free personal checking account that will not have any monthly maintenance fees, ever. Whether you are just starting your financial journey or reaching the age where a fixed income is a reality, Ascend will grow with you and provide amazing benefits along the way:

  • No monthly maintenance fee. No gimmicks. Ever.
  • Free credit score, monitoring and reporting. Updated daily.
  • Dividends earned on higher balances.
  • ID theft protection.

To go along with your Ascend Checking account, you receive free credit score, report and monitoring as well as free Identity Theft Protection. To take advantage of Mastercard free Identity Theft Protection, click here to learn more and enroll.

As an Altura Debit cardholder, you get a variety of different benefits with your Mastercard. Click here for the full benefits guide.

Rates Effective Date: December 7, 2019
AccountOpening DepositRateAPY^
Ascend Checking - Average daily balance of $0.00 to $9,999.99$25.00+0.00%0.00%
Ascend Checking – Average daily balance of $10,000.00 to $49,999.99$25.00+0.05%0.05%
Ascend Checking – Average daily balance of $50,000.00 and higher$25.00+0.20%0.20%

^ APY = Annual Percentage Yield.

To download a Rate Sheet, click here.

*The dividend for Tier I annual percentage yield will be paid on accounts maintaining an average daily balance of $10,000.00 during the statement cycle and the dividend for Tier II annual percentage yield will be paid on accounts maintaining an average daily balance of $50,000.00 during the statement cycle. Any account not qualifying for Tier I or Tier II will not earn dividends. Waived Fee for Cashiers Checks and Money Orders for Tier I or Tier II.

**Active Membership (5 swipes or loan) required for anytime credit score.

Wealth Builder Checking

This product is perfect for simplifying and organizing your finances. This high-rate liquid checking account is great for merging existing CDs, Savings and Money Markets into a Checking Account that earns a great yield.

  • No monthly fee with a minimum daily balance of $10,000.
  • Minimum opening deposit is $10,000 new money and a minimum investment of $50,000 with CFS, Wealth Management.
  • No per-check charges
  • Free Money Orders and Cashier’s Checks
Rates Effective Date: December 7, 2019
Account TypeOpening DepositRateAPY^
Wealth Builder^$10,000+0.93%0.93%

$10,000 minimum daily balance required to earn dividends (minimum of ten (10) debit card transactions per month in order to receive stated rate and a $50,000.00+ CFS relationship required.

^ APY = Ann...

READ MORE +

$10,000 minimum daily balance required to earn dividends (minimum of ten (10) debit card transactions per month in order to receive stated rate and a $50,000.00+ CFS relationship required.

^ APY = Annual Percentage Yield.

^^ Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may carry investment risk including possible loss of principal. Investment Representatives are registered through CFS. Altura Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. To earn the stated rate, the WealthBuilder account has to have a minimum of ten (10) debit card transactions per month and a minimum daily balance of $10,000. For any month in which the transaction activity threshold is not met, the rate for that month will default to 0.20% on balances for the previous month. For any month in which the minimum balance requirement is not met, the rate for that month will default to 0.00% on balances for the previous month.

To download a Rate Sheet, click here.

READ LESS -

MyMoney Checking

When you’re just starting out, you don’t need a super complicated checking account. If you’re between the ages of 12 and 17, you qualify for a youth account through Altura. This is a simple account that gives you the opportunity to learn how to manage your money.

Features:

  • Comes with a debit MasterCard
  • Online account access with E-Statements
  • No monthly fee
  • No minimum balance

Payroll Direct Deposit

An easy and safe way for your employer to instantly deposit your funds on payday.

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Overdraft Protection

A backup to ensure that all your transactions are paid.

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Debit Card

Get convenient access to your checking account and link to Apple, Android and Samsung Pay.

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Shared Branching/CO-OP ATMs

Altura’s many shared branches and ATM locations make it easy for you to bank from almost anywhere.

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Check Orders

Check styles and accessories for personality!

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Official Bank Checks

A more widely-accepted and safer alternative to personal checks.

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Money Orders

A prepaid payment method with the convenience of a personal check but with
more security.

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Wire Transfers

The ability to send and receive electronic payments from just about anywhere.

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Lost/Stolen Credit Cards

An understanding staff that will act fast to protect your accounts
and identity.

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Courtesy Pay

Protection against insufficient funds for Altura members use who payroll direct
deposit.

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CHERESE CLOSURE | MEMBER SINCE 2015

“With my busy lifestyle and my commute, I am hardly ever at home. Therefore, I am able to take care of all of my banking needs on the website; it’s...

WATCH STORY

CHERESE CLOSURE TESTIMONIAL

KIMBERLY GREEN | MEMBER SINCE 1999

“Their way of greeting you and taking their time— you’re not just a number there. You feel like a person, you feel like you matter.”

WATCH STORY

KIMBERLY GREEN TESTIMONIAL

NICOLE MELENDEZ | MEMBER SINCE 2018

“Even if you weren't a member they would gladly help you out. Help you become a member quickly and were there for you, through anything.”

WATCH STORY

NICOLE MELENDEZ TESTIMONIAL

KAREEM GONGORA | MEMBER SINCE 2015

"I ended up applying and literally getting the percentage cut in half as to what was being offered competitively and I ended up going forward and buying a car because...

WATCH STORY

KAREEM GONGORA TESTIMONIAL

Frequently Asked Questions

What Can I Do with a Checking Account?

With a checking account, you can make deposits and withdrawals. When you set up payroll direct deposit (PDD) with your account, your paychecks will automatically be deposited to your checking account. You can access this money by writing checks, using your debit card, making withdrawals, and more.

Do You Offer Second-Chance Checking Accounts?

If you don’t qualify for our standard checking accounts, a Reliance Checking Account is where you begin. After one year of positive account activity, and after having paid off any outstanding checking account related debt, you’ll be eligible to move up to a Ascend Checking Account.

Learn More

How Do I Find My Checking Account Number?

Although they vary in length, checking account numbers are usually between eight and twelve digits long. This number identifies your personal account. You can find your checking account number by looking at one of your personal checks. It will be the second (middle) set of numbers on the bottom of every check. You can also find your account number through online and mobile banking.

What is a Routing Number?

An ABA routing number is a nine-digit number that identifies the financial institution where you have your checking account. You’ll need your routing number when you’re making payments online or over the phone. To figure out your routing number, look at the bottom of your personal checks. It is the first group of numbers on the far left.

Altura’s routing number is 322281235.

DISCLAIMER INFORMATION

*The dividend for Tier I annual percentage yield will be paid on accounts maintaining an average daily balance of $10,000.00 during the statement cycle and the dividend for Tier II annual percentage yield will be paid on accounts maintaining an av...

READ MORE +

*The dividend for Tier I annual percentage yield will be paid on accounts maintaining an average daily balance of $10,000.00 during the statement cycle and the dividend for Tier II annual percentage yield will be paid on accounts maintaining an average daily balance of $50,000.00 during the statement cycle. Any account not qualifying for Tier I or Tier II will not earn dividends. Waived Fee for Cashiers Checks and Money Orders for Tier I or Tier II.

**Active Membership (5 swipes or loan) required for anytime credit score.

READ LESS -

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Financial Well-Being

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Financial Well-Being

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Determine Monthly Payments for Loans and Mortgages

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