Secure Checking
Secure Your Peace of Mind
You work hard for your money. We believe a Checking Account should do more than track your dollars and cents. So we offer our Secure Checking Account that’s packed with smart features to help keep you - and your money - safe and secure.
| Type | APY* |
|---|---|
| Secure Checking | 0.015% |
| Secure Young Adult Checking | 0.015% |
| Secure Plus Checking | 0.015% |
- Interest Bearing
- Min. $25.00 Deposit at Account Opening
- No Minimum Balance Required
- Your Choice of Paper or e-Statements
- Free Online & Mobile Banking
- Free Online Bill Pay
- Free Shared Branching
- Financial Planning Services from Achieve Wealth Management
- $5.00/mo Service Charge
Unlimited Check Writing
Write all the checks you want each month with no fee.
Visa® Debit Card
Use at ATMs or at millions of locations where you see the Visa® logo. You can pay for purchases with your Visa® Debit Card, and the funds are electronically deducted from your Checking Account. Through the Alliance One and CULIANCE networks, you may use the card at more than 50,000 SURCHARGE-FREE ATMs across the United States.
No Fee Overdraft Protection
Automatically transfer funds from your Share Savings or Money Market Account to your Checking Account to cover any overdraft. Overdraft protection is optional. Please contact us for details.
Overdraft Advance
Provides a "cushion" up to a $500 limit in case your account is overdrawn and there are insufficient funds from your other designated accounts. Eliminates the embarrassment of having a share draft/check returned and the extra expense from merchant fees in case your account is overdrawn. Fees apply. Please contact us for details and eligibility requirements.
What makes our Secure Checking different? Get access to 16 unique cost-saving benefits at no additional cost to you!
Help better protect your identity
You can rest easy knowing that IDProtect®, our identity theft monitoring and resolution service¹, can help better protect your identity.
Identity Theft Expense Reimbursement Coverage¹ - Receive up to $10,000 to help pay expenses, clear your name, and restore your identity, should you become the victim of identity fraud.
Comprehensive Identity Theft Resolution Services - Should you suffer identity theft, your very own dedicated fraud resolution specialist will help you every step of the way until your identity is restored.
Debit and Credit Card Registration - Register your credit, debit, and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen (registration/activation required).
Credit File Monitoring - Daily credit file monitoring and automated alerts of key changes to your credit reports (registration/activation required).
Credit Report and Score³⁴ - Access to credit reports and credit scores (registration/activation required).
Dark Web Monitoring - Monitor your personal information on the dark web and receive alerts when your personal information is exposed
(registration/activation required).
Credit Score Tracker⁴ - Receive valuable insight into your credit score³ (registration/activation required).
Identity Monitoring - Monitoring of over 1,000 databases (registration/activation required).
Online Identity Theft News Center and Valuable Phone and Web Resources (registration/activation required).
Financial Wellness 360º - Access your financial wellness platform with unlimited one-on-one coaching, interactive courses, videos, booklets, infographics, and more to help maximize financial wellness (available online only).
Protection from unexpected losses
Accidental Death & Dismemberment Insurance² - Receive up to $10,000 24-hour Accidental Death & Dismemberment Insurance.
(Coverage divides equally on joint accounts and reduces by 50% at age 70.)
Cellular Telephone Protection² - Receive up to $600 of replacement or repair costs if your cell phone is stolen or damaged in the U.S. and abroad. $50 deductible applies. Up to two claims and maximum of $1,000 per twelve-month period. Covers up to four phones on a cellular telephone bill.
(Cellular telephone bill must be paid using eligible account.)
Debit Advantage® - Buyers Protection² covers items for 90 days from the date of purchase against accidental breakage, fire, or theft. Extended Warranty³ extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than five years.
(Item(s) must be purchased entirely with eligible account.)
Save on healthcare
Health Discount Savings - Enjoy savings on vision, prescriptions, and dental services. This is NOT insurance (registration/activation required).
Save when you play
Travel and Leisure Discounts - Money-saving discounts from thousands of local and national businesses. Members can redeem and print coupons online or access discounts from a mobile device. Digital Access makes saving super easy and convenient, giving instant savings anywhere and anytime (available online only).
$hopping Rewards™ - Receiving $hopping Rewards is simple! As a member, you have access to exclusive offers and discounts at thousands of leading online retailers. Simply shop online using our customized shopping portal and receive cash back. Your cashback can be held in your $hopping Rewards account to use towards future purchases or conveniently sent to you as a check. Yes, it’s that easy! (registration/activation required; available online only)
For members ages 18-25.
Receive ALL the SECURE CHECKING benefits for a reduced $3.00/mo service charge.
For members ages 62+.
Receive ALL the SECURE CHECKING benefits - plus one (1) free box of checks per calendar year - for a reduced $3.00/mo service charge.
Your Secure Checking Benefits
Get your perks
Once you’ve opened your Secure Checking account, visit SecureChecking.com to enroll and access all your Secure Checking benefits!
Visit A BranchStop by your local branch, and we’ll be happy to help you!SEE LOCATIONS |
Talk With UsCall (440) 324-3400 to speak with our Member Services team.CALL US |
Become a MemberIt’s easy to join Achieve CU and open your account.JOIN US |
We’re All About Save The Change!
Is your goal to build up your savings? This program allows Achieve CU members to have their debit card purchase transactions scanned so that the difference of the transaction, rounded up to the next dollar, will be deposited automatically into their Savings, Money Market, Club, or Secondary Account. Call for more information.
¹Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.
²Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance Products are not insured by any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.
³Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.
⁴Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.