Routing: 262277189

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Personal Checking Account

Personal Checking Account

The biggest difference in checking accounts is in the institution that offers it.

It is no secret to say that most checking accounts are kind of the same. They are one of the primary tools for managing your finances. What makes a checking account different, though, is who offers it. How easy do they make it? How much do they charge you for it? What limitations do they put on it?

Our checking account is free. Online Banking is free. The Alabama ONE mobile app is free. There are no minimum balances and you even get a free debit card.

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No minimum free checking

Free Checking

Enjoy free checking with free online account management, a mobile app, no minimum balance and an instant-issue debit card that gives you immediate purchasing power.

  • $0 minimum deposit to open
  • No minimum balance requirements
  • Overdraft options available
  • Digital Banking
  • Online Bill Payment
  • Unlimited check writing
  • e-Statements
  • Telephone account access
  • Debit card w/unlimited swipes
  • Free ATM withdrawals from all Alabama ONE ATMs
  • Paper checks available
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Checking with Flexibility

Ascend Checking*

Our Ascend Checking Account* gives you or your business the flexibility to make more transactions, while enabling you to earn a higher interest rate. With a minimum initial deposit of $5,000 of new deposits, this account features 30 free debit transactions per month, a Mastercard® Debit Card, online and mobile banking, e-Statements, and qualifies for Excess Share Insurance and relationship enhancements.

  • Initial deposit of $5,000
  • 30 free debit transactions per month
  • Mastercard® Debit Card
  • Digital Banking,
  • e-Statements
  • Earn 2.00% Annual Percentage Yield (APY)
  • Earn up to an additional 1.60% interest with enhancements
  • Dividends are compounded and paid monthly
  • Available for consumer and business accounts
  • Excess Share Insurance (ESI) up to an additional $250,000 and premiums are paid by Alabama ONE

 

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Helping teens establish financial responsibility

Next Step Teen Account

Help your teenager take the next step towards financial independence with our new Alabama ONE Teen Account. This account will be available for Alabama ONE members ages 13-17 and requires a parent or legal guardian to be the joint owner, so you can keep an eye on things.

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Helping you rebuild your financial journey

Jumpstart Checking

Need to jumpstart or rebuild a good credit history? Jumpstart Checking has all the benefits you want — an instant-issue debit card, online account management and an easy mobile app. And after 12 months of good account management, you’ll be eligible to upgrade to traditional free checking.

  • $0 minimum deposit to open
  • Account fee of $10 per month
  • Eligible to request account upgrade after 12 months
  • Direct deposit required
  • No paper checks
  • Digital Banking
  • e-Statements
  • Telephone account access
  • Debit card
  • Free ATM withdrawals from Alabama ONE

*Ages 19 or older. Member may request upgrade to traditional checking account with no monthly fee after 12 consecutive months of no NSFs. Account not eligible for overdraft protection and no dividends accrue. Direct deposit required. Terms subject to change without notice.

*This account is subject to a fee of $10 each month, if the account balance falls below $5,000. Rates may change after the account has been opened. New deposits must be funds from another institution, not funds already at Alabama ONE. Debit transactions are (checks, debit card transactions, ACH withdrawals, transfers). Fees could reduce earnings on the account. Excessive Transaction Fee of $0.15 for each debit transaction after 30. Account(s) with balances $5,000 - $499,999.99 qualify for relationship enhance­ment. Relationship enhancement does not apply to accounts where balance exceeds threshold balance $500,000 or greater. Qualified products may include, but are not limited to Digital Experience (requires Checking, e-Statements, and registered Online Banking Access), Consumer Credit Card, Consumer Secured Loan, Consumer Mortgage Loan/HELOC Loan, Commercial/Agriculture Loan, Commercial Credit Card, Ascend Fund, Wealth Relationship. Account(s) are reviewed monthly for eligibility. For each of the listed enhancements; your account will receive an additional 0.20% dividend rate up to a maximum additional of 1.60% dividend rate. Dividends are compounded and paid monthly. Once a particular range is met, the Dividend Rate and Annual Percentage Yield for that balance range will apply to the full balance of your account. APY is accurate as of 11/01/2024. 

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