Checking Accounts


Access Checking Accounts

When it comes to Checking Accounts, we believe in giving you the most for your membership experience. Our checking products are here to give you the best security, convenience, as well as an abundance of features to help you build financial security. All Access Checking Accounts offer you benefits such as:

  • Zelle Payments - Easily send and receive money with Zelle
  • ESI (Excess Share Insurance) - Doubling NCUA deposit insurance up to $1,000,000
  • Access to over 60,000 FREE ATMs and free local ATM usage at credit union ATMS
  • Live-Chat
  • 24/7 Debit Card Support
  • Supporting the community and local schools by swiping debit cards
  • Multiple overdraft options
  • Fun Debit Card Designs for Everyone! Click HERE to see available designs 

  • No maintenance fees and no minimum balance
  • $100 of FREE overdraft protection
  • Free checks
  • Early access to your paycheck with direct deposit
  • Earns interest
  • Discounted loan rates with direct deposits

    Earn 2.5% APY with our rewards checking account. APY rate will be applied automatically to checking accounts meeting these qualifications on the first day of the following month:
  • Must have monthly direct deposits of at least $500
  • Must have an average daily balance of $1,000
  • Higher APY interest rate only paid on first $10,000 balance
  • Must be enrolled in online banking and estatements
  • Must have at least 15 debit card swipes a month
  • APY is Annual Percentage Yield and is subject to change without notice
  • This automatically applies to All Access checking accounts that meet these requirements

  • $10 Monthly maintenance fee
  • Employee payroll processing through online banking
  • Free checks
  • Click HERE to learn more
  • Completely free
  • Kids earn money/toys with good report cards
  • Helps educate kids the basics of personal banking in a fun and engaging way
  • The Access Advantage checking account is for those looking to rebuild their checking account relationship, also known as a second chance account. The Advantage Checking account allows you to establish a positive deposit relationship with the credit union by giving you access to:
  • Instant Issue Debit Cards
  • Overdraft Options
  • Direct Deposit
  • Mobile Banking
  • Home Banking
  • E-Statements


    Learn About Overdraft Protection


    Set Up Direct Deposit


    Open a new account


    Auto - As low as 4.99%
    Home Equity - Please Call
    Signature - As low as 10.90%
    Money Market - 0.80% - 1.50%
    6 Month CD - 3.00%
    12 Month CD - 3.25%




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    With 4 locations and over 40 ATMs in Amarillo, and over 50,000 ATMs nationwide, you can be sure that you have Access whenever you need it.

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    Access Community Credit Union is committed to serving all persons within our field of membership, including those with disabilities. We strive to make not only our physical branches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 1-800-687-2990 so that we may promptly assist you and remedy any accessibility concerns.

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