Arapahoe CU Spending

Safe, convenient and backed by personal service.


ACU cOpen Accoun thecking accounts are free or interest-bearing and come with free mobile banking, fraud protection, bill pay and online banking.

Step 1. Your New Checking


Checking accounts should be flexible, convenient and provide you with the tools to be successful. As a not-for-profit, Arapahoe Credit Union can take this a step farther. By not having to pay shareholders, we can also offer safety, security and actual, personal service.

Arapahoe Credit Union has several checking account options. Please let us know if you need help or have any questions.

Feature
Student
Basic
Interest-Bearing Checking
Minimum Balance
None
None
$500
Transaction Limit
None
None
None
E-Statements
Free
Free
Free
Secure Online Banking
Free
Free
Free
24hr Phone Banking
Free
Free
Free
Direct Deposit
Free
Free
Free
Mobile Banking
Free
Free
Free
Courtesy Pay Eligible
*
Yes
Yes
CO-OP ATM Transactions
First 5 Free
Each Month
First 5 Free
Each Month
First 5 Free
Each Month
Protected
Protected
Protected
Earn Dividends
No
No
Available
Available
Available


Head to Step 2: Protection

Rates and Disclosures

Start a loan or accountStep 2. Protecting Your Account


Sometimes, the unexpected happens. A financial storm hits and money gets tight: Your car breaks down; you have a medical emergency; a project goes over-budget. In most cases though, you don’t have to simply hang on and ride the weather out.

Arapahoe Credit Union has up to 4 protective barriers available to make sure that a life event doesn’t throw you overboard. Here’s how we can customize your defense:

Overdraft Line of Credit:


Perhaps the most common and best way to protect your account is with a dedicated overdraft line-of-credit. With one of these, you can cover incoming items up to your approved limit and avoid dealing with return items or paying a coverage fee.
  • Primary Advantage: Inexpensive and automatic

Alternate Account Coverage


A second line of defense that you have is an automatic feature. If you overdraw your checking, our team will automatically try to cover it with available funds in your other accounts. Unlike banks, we want to help you cover your bills and won’t charge for this service. The only glitch is that a federal regulation limits how often that we can do this, so please contact us to make sure we have your preferences in place.
  • Primary Advantage: Free and automatic

Courtesy Pay


Another option you have is ACU’s courtesy pay program. Courtesy Pay can be a lifeline when you don’t have an alternative. Basically, if qualified, we can cover your accounts up to $1,250 into the negative. However, there is a $30 fee for each item that we cover. It will help prevent return items and collection issues with outside merchants, but you want to try and use this as your last line of defense, if possible.
  • Primary Advantage: Emergency Coverage

MasterCard® Classic or Platinum


While not a traditional kind of protection, ACU has a unique way to protect your accounts while also offering added flexibility. Because we do not charge any kind of cash advance fees, you are more than welcome to use your low, set rate credit card to cover items. Simply transfer through online banking or give us a call. The biggest things to be aware of is that you must transfer before any charges come out of your account and you do pay interest on what you borrow.
  • Primary Advantage: Adds in the flexibility of having a MasterCard® card!

Give us a call. Our staff is ready to set up your accounts!


Head to Step 3: Convenience

Rates and Disclosures

Step 3. Making the Most of Your Account

Start a loan or account
Arapahoe Credit Union doesn’t feel that it is enough to just provide the basic checking account services. We want to give you the tools to help your entire financial profile. This means looking to improve convenience, personal protection and provide tools to build wealth.

Free, Fraud Monitored Debit Card


Our debit cards are available with almost every checking account at ACU. It will work just like a credit card except that it accesses your funds directly instead of using a line of credit. What separates our card, is that you enjoy 24 hour fraud monitoring as well as zero liability if fraud is reported within 60 days. Banks and other institutions might hold you liable for up to $500!
  • 24 hour fraud monitoring
  • Easier and faster than a check
  • Complete coverage for illegitimate transactions
  • No foreign conversion fees
  • No usage fees
  • Personal service and dedicated staff support
  • Off-hours and coverage when overseas

$wipe and $ave— The easiest way to save


$wipe and $ave is a savings program linked directly to your ACU debit card. Each time you swipe your card, we round the transaction to the next dollar and put the difference into a savings account of your choice. It becomes fantastically simple to balance your checkbook (no dealing with odd totals) and your savings will increase without you having to do a thing!
  • Easy to set up— Just call us!
  • Easy to use
  • Creates an automated savings
$wipe and $ave can be used for a variety of goals. Saving for your kid’s education? How about retirement? A lot of members have used it specifically so that they have an emergency fund when things get tight. It can be used for pretty much anything. The nice thing is that you don’t have to think about it— it all happens automatically and just like a retirement plan, most people can’t even tell the difference in their day to day business.

Standard Checks


Of course, in addition to our free Bill Pay service, we also have standard checks available. Please feel free to order at anytime through our check provider or feel free to give us a call.


Head to Step 4: Account Management
Bill Pay and Virtual Banking

Rates and Disclosures

Step 4: Taking Care of Your Account

Contact us for account management
The days of writing physical checks and balancing your register each week are long past their prime. In its place, Arapahoe Credit Union will provide the newest, most up-to-date tools and technology to manage your account. Moreover, we’ll get them to you completely free and, if you ever need help, our staff is available and ready to help you get everything set up!

Free Direct Deposit

- Simplified money management starts here. When you have your check automatically deposited into the credit union, it will be the first thing processed the business day we receive it. You don’t mess with bringing a check in, deposit holds or any other inconveniences.

Free Bill Pay

- Our online bill pay provider is the largest in the nation and will help you pay quickly and on time. Automate or authorize payments as you go, it is up to you. What you can count on is simplified bills and safer transactions (your checking account number is never out there for criminals to pick up). Registering is easy.

Free MFA Secured Online Access

- Almost more than anything, ACU prides itself on its comprehensive protection of its members. We use an MFA (multi-factor authentication) system to provide you 24 hour account access. Simply register your account.


Account Alerts

- Now, you can have your account let you know when something is happening. Our online banking will send you either text or email alerts whenever your selected event happens. You can know immediately if your deposit is in or if your mortgage is paid. You can also set it up to let you know when you are running low on funds or if something unusual is happening. If you need help, try this.

Free Mobile Banking

- Mobile banking is another layer of convenience ready to bring your account management into the 21st century. You can do most of your basic banking, including most transfers, directly from your mobile device. We offer both text based and smart phone platforms so that Mobile Banking is within reach of almost everyone. We don’t charge for this service, but your cell provider might. If you need help let us know or you can get detailed instructions here.


Head to Step 5: Control Panel

Rates and Disclosures

Step 5: Making the Most of Your Account


Ten-thousand items on the “To-Do” list and there’s a good chance that something gets missed. But you don’t need to put that stress on yourself each month. With ACU’s virtual account management tools, you can control everything from one central control panel. Automate your finances or log in each month— it’s up to you. What is important is that you will keep your information out of criminal hands while also making life easier!

Arapahoe Credit Union

Your Financial Control Panel


Did you know that most ID theft happens through the mail? ACU doesn’t go a week without having a member find out that their check has been “misplaced” when it doesn’t arrive to the merchant. Of course handing your information over to a large corporation isn’t much better. A few years ago, a local college lost thousands of students’ social security numbers through something as simple as a stolen laptop. More recently, a giant online marketer lost information on over 250 consumers. It’s no small problem and it keeps getting worse.

The best way to take care of this? Simply don’t trust your finances to the unknown. Arapahoe Credit Union’s account tools make it so that you don’t need to give information to every store, bank or credit card that you have an account with. Here’s how it works:

Start with your direct deposit.

If you have your paycheck automatically deposited each payday, you don’t have to worry about not having access to your funds. If you are dealing with physical checks, you risk not being able to deposit it, check holds, theft and all sorts of other delays that, while rare, do in fact happen. A direct deposit also means that you don’t have personal information floating around on your paystub waiting to be picked up or lost.

Once your deposit is here, safely at Arapahoe Credit Union, you are provided with a completely free electronic Bill Pay. This has a number of advantages.
  • First, once you add a payee, that payee is ready to be paid at any time and on any schedule you decide. Merchants don’t have your account information so there is no possibility for mistakes on their side. You also don’t have to risk the mishandling or loss of that information.
  • Second, our bill pay provider takes care of the transaction and costs for you. It will initially try to send the payment electronically (which happens most often), so there is no chance of losing anything in the mail. If, for some reason, it has to send a check, that check will not have your checking account number so that your account won’t be compromised.
This is the most basic combination that you can use, but we can make your account much more dynamic depending on what your goals are. Of course, adding in Account Alerts and regular, secure online banking can also put more control in your hands. Want help setting your accounts up? We’re
always glad to help. Contact us...

Our Checking Accounts...

Arapahoe Credit Union is a not-for-profit, community institution that prides itself on working with our member as individuals. We will work to get you every possible benefit and feature we can. However, some products are subject to fees and approval. Please refer to our Account Center for fee details and other useful information.

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Our Checking Accounts...

Just so you know: We want to make sure you have everything we can possibly provide, but some products are subject to approval and qualifications. However, even if you are unsure of your limits, we can always help and may be able to provide alternatives. Please refer to our Account Center for fee details and other useful information.

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Our Checking Accounts...

Arapahoe Credit Union is a not-for-profit, community institution that prides itself on working with our member as individuals. We will work to get you every possible benefit and feature we can. However, some products are subject to fees and approval. Please refer to our Account Center for fee details and other useful information.

Got it!    Rates 

Our Checking Accounts...

Arapahoe Credit Union is a not-for-profit, community institution that prides itself on working with our member as individuals. We will work to get you every possible benefit and feature we can. However, some products are subject to fees and approval. Please refer to our Account Center for fee details and other useful information.

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