Checking Account Choices
Advancial offers three unique checking accounts to help members with specific financial needs.
Ultimate Checking
- No monthly maintenance fees
- No minimum balance requirements
- Unlimited free ATMs worldwide
- Unlimited Debit card rewards
- Free checks
Dinero Checking
Starting your teen on the path to financial success is important, and our Dinero Checking account is here to help. Dinero Checking is a perfect first checking account to teach your teen on how to manage their finances while giving you the peace of mind knowing you’ll be able to monitor their spending.
Inbound USA Checking
If you're moving to the United States from a foreign country, this is the account for you. Designed for expatriates inbound to the United States, Inbound USA Checking is a great, everyday checking account with tons of free, convenient features to help you manage your money while in the U.S.
Frequently Asked Questions About Checking
No, your savings account is your share in Advancial. It gives you ownership and voting rights at the credit union. A savings account with a small initial deposit of just $5 is required to access all of Advancial’s financial services.
Yes, all of our checking accounts allow you to use any ATM worldwide, whether it’s an Advancial ATM or an ATM from another financial institution, for free. If you are charged ATM fees from another financial institution, we will automatically reimburse those fees.
All members receive one free box of checks per year.
Advancial offers two overdraft protection options: Overdraft Transfers and Check Clear® Courtesy Overdraft Privilege. These services can help you avoid declined transactions in case of insufficient funds. Enrollment is required to utilize these services. If you choose to enroll your checking account in both Overdraft Transfers and Check Clear Courtesy Overdraft Privilege, we will attempt to cover the transaction by the transfer method before using Check Clear.
Overdraft Transfers- A free service where funds are automatically transferred from your linked savings account to your checking about to cover overdrafts.
- NOTE: Federal regulations limit the number of certain types of withdrawals and transfers to savings to six per month.
- A discretionary service that may cover overdrafts up to your courtesy overdraft limit.
- You must be 18 years or older and have an account in good standing to be eligible to enroll.
- Offers two levels of protection:
- Check Clear for Checks, ACH and Debit Card Transactions
- Check Clear for Checks and ACH Transactions Only
- A $10 fee applies for each covered transaction, up to a maximum daily limit.
- Your account must be brought to a positive balance within 45 days. Check Clear services may be revoked if your account remains negative for more than 30 days.
- Log in to Online Banking
- Select Manage > Enrollments
- Click the green arrow next to Overdraft Transfer Protection or Courtesy Overdraft
- Select which account you’d like to enroll in the service and click Save
Knowledge Center
Checking 101
A checking account that makes you pay to access your own money is no friend to your finances. The truth is, plenty of banks charge fees that can chip away at your account balance. That’s not the case at Advancial. As a not-for-profit credit union, our checking accounts are designed to benefit your bottom line, not a bank’s shareholders.
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Getting out of debt may sometimes feel like digging out an entire beach with a child’s toy shovel. But ditching your debt is not impossible. First, it’s important to remember that not all debt is bad. Some debt helps you live a more fulfilling life.
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Here's how to get the most NCUA deposit insurance coverage.
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Make a Plan to Reach Your Financial Goals
Think about your financial goals for a moment. Do you picture yourself buying a home or taking a much-needed vacation? Are you focused on building a financial safety net or saving for retirement? Although challenges and setbacks may throw you off course, it’s easier to bounce back when you have a plan for reaching your goals.
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