Checking Accounts
Emory Alliance Credit Union offers a variety of checking accounts designed to meet your individual needs. All of our checking account programs offer members valuable benefits such as:
- Personal Branch - free Online Banking 24/7
- Online Bill Pay Service
- Identity theft service through Identity Theft 911
- Overdraft Protection (available from your Savings, Line of Credit, or our Overdraft Privilege Service)
- Audio Xpress - free Automated Telephone Service available 24/7 at 404.329.6420
- Free e-Statements - (nominal fee for paper statements*)
Preferred Checking – your best choice
- Minimum opening deposit of $100.
- No monthly service fee.
- No minimum balance requirement.
- No direct deposit requirement.
- Free ATM/Visa Debit Card.¹
- Free, unlimited ATM access with an auto loan, real estate loan or credit card*. (*does not apply to fees from other financial institutions or to the Student VISA Classic).
- Free, first 120 checks for new accounts.²
Smart Checking – interest earning
- Minimum opening deposit of $100.
- Interest paid monthly on an average daily balance in your checking account of $500 or more.
- Monthly service charge if balance falls below minimum of $1,500.
- Free, ATM/Visa Card.¹
- Free, first 120 checks for new accounts.²
- Earn higher interest with a higher balance.
Advantage Checking - for members 62 and over
- Minimum opening deposit of $100.
- No monthly service fee.
- Interest paid monthly on balances of $100 or more.
- Free ATM/Visa Debit Card.¹
- Free checks (exclusive design / 120 per year).
- Must maintain a savings relationship of at least $1,000 or have direct deposit of payroll, retirement or social security check.
Campus Checking - for the college student
- Minimum opening deposit of $50
- No monthly service fee.
- No minimum balance requirements.
- Free, Incoming Wire Transfers.
- Free set up: ACH for bank to bank transfers.
- Free ATM/Visa Debit Card.¹
- Free first 50 checks for new accounts.²
Moving Forward - for another chance
- Minimum opening deposit of $100.
- Direct deposit of net payroll required.
- Low monthly service charge.
- Minimum balance of $25 in savings account.
- Good standing³ for one (1) year, may be eligible to convert to regular checking upon member's request.
- Checks² and Debit Card available.
Organizational Checking - for non-profit groups
- Minimum opening deposit of $100.
- No monthly service fee.
- No minimum balance requirement.
- Free first 50 checks for new accounts.²
* Monthly fee of $3.00 per paper statement for checking accounts only. (Members age 62+ exempt from this fee)
¹ Does not apply to fees from other
financial institutions.
Click here for a list of surcharge free ATMs.
² Exclusive design only.
³ Maintain this account in good standing for one year with no
Non-Sufficient funds (NSFs) or negative balances.
All checking accounts are subject to a credit verification before opening.
