Checking Accounts
Share Draft Accounts
Preferred Senior Checking
Checkless Checking
Student Checking
Relationship Banking
Share Draft Accounts
A share draft account is the main checking account at the credit
union. This is a checking account that creates a copy of the check as
it is being written. There is no monthly service charge; however,
there is a charge for checks. Interest is paid if the average daily
balance exceeds $1000.00 for the month. Statements are mailed monthly.
Online check reordering is available by clicking here.
There is no minimum balance requirement and check writing is
unlimited.
 Preferred
Senior Checking
At Alabama State Employees Credit Union, there are some great
advantages to being 50 and over – like our Senior Checking Account
with no recurring monthly charge and no minimum balance required.
Online check reordering is available by clicking here.
Senior Checking Account also offers seniors:
- Direct Deposit of Retirement and Social Security Checks
- Free Checks
- A Credit Union ATM Card
- Interest earned if an Average Balance of $1000 is maintained
- 24-Hour Telephone Access to Accounts
- Personal Service
- Free Travelers Cheques
- Free Notary Service
- No Annual Fee on Credit Cards
Student Checking
A Student Checking Account is a Share Draft checking
account specifically for students age 18-22. The first order of
checks is free, with no monthly service charge. There is no minimum
balance required as well as unlimited check writing. This account
also comes with a no annual fee Visa Check/Debit card and free Online
Banking.
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Checkless Checking
Checkless Checking accounts are for persons not
qualified for regular checking. This is a checking account that
gives members access to their money with a Visa Check/Debit card,
but without checks. You have the ability to withdraw cash from ATM
machines, make purchases most places Visa is accepted, and have
online bill payment. Keeping this account in good standing for one
year will then qualify a member for a regular share draft account.
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Relationship Banking
If you have any two of the following services, you will receive
a .50% interest rate discount. If you have any three of the following
services, a .75% interest rate discount will be applied.
Qualifying Services:
- Share Draft Checking
- Direct Deposit
- Visa Credit/Check card
- Safe Deposit Box
- Home Equity Loan/Mortgage Loan
- One other Loan (personal or consumer) or a $500.00 in savings
for a minimum of three months
Relationship banking applies to secured automobile loans
only.
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boom! money & stuff
