Appalachian Community Federal Credit Union offers unmatched convenience and a host of advantages when you open a checking account with us.  We make it convenient to manage your money and your time with 24/7 account access and over 70,000 ATM's nationwide. Start saving time and money today.

To view our current checking account dividend rates Click here!

Premier Checking

Our Premier Checking account gives you more than just free checking. It is designed to make managing your accounts easier than ever. This truly free checking account will offer you multiple benefits and services.


  • No minimum balance
  • No monthly service charge
  • No per check charge
  • Courtesy Pay protection options
  • FREE instant issue VISA® Check Card
  • FREE myACFCU online services with Bill Pay
  • FREE TouchToneTeller (Access your account 24hrs a day)
  • FREE first order of checks (members over 50 years of age always receive free checks)
  • FREE monthly e-Statements
  • FREE financial check-up
  • Dividends paid monthly on balances of $2500.01 or more


Appalachian Community Federal Credit Union offers different types of overdraft protection designed to protect your account. First, a savings account can be linked to automatically transfer funds to your checking account in order to prevent an overdraft. In addition, an overdraft protection line of credit of at least $500 can be linked to your checking account to provide an additional layer of protection.

Courtesy Pay is also available for our Premier Checking account holders. This limit will be the same as our previous Overdraft Privilege limit of $500. You will have (30) days from the date of the first occurrence to bring your account to a positive balance to maintain this service in good standing.

Benefits of Courtesy Pay

  • By automatically paying overdrafts, your Courtesy Pay eliminates bounced checks and returned check charges from merchants.
  • When faced with unexpected bills, your Courtesy Pay is a convenient and dependable source of temporary cash.
  • It doesn't cost you anything if you don't use it. When you do, we'll only charge our usual $38 Non-sufficient Funds (NSF) fee for each item that overdraws your account.

Fresh Start Checking

Would you like a fresh start with your checking account history? That's what an ACFCU Fresh Start Checking account can do for you. If you have a previous history with ChexSystems (restrictions may apply) and have had trouble acquiring a checking account at other financial institutions, we will open a checking account and issue you a VISA Debit Card. For only $10 a month you receive the benefits of an ACFCU membership.


  • No check writing penalties
  • No minimum balance
  • Free instant issue VISA Check Card
  • Free myACFCU online services with Bill Pay
  • Free financial check-up
  • Free monthly e-Statements
  • Rebuild your checking account history

Isn't it time for you to be valued as a member?  Stop by one of our branches to get started with a Fresh Start Checking Account today.

VISA® Check Card

Appalachian Community Federal Credit Union would like to make your life a little easier with our VISA® Check Card. For your convenience, these cards are instantly issued by your local branch at the time your account is opened. Your debit card eliminates the necessity of writing checks when you purchase products and services at any merchant that accepts VISA®. The funds will be withdrawn automatically from your assigned checking account. Your debit card can even be used as an ATM card!

To report a lost or stolen card or to activate your ACFCU VISA Check Card dial 1-800-378-3778 Option #3, anytime 24/7.

ATM Network

Transactions conducted at Appalachian Community Federal Credit Union ATM's are FREE. This network of over 85,000 ATM's includes all branch locations, AllPoint network, Co-Op Network, participating CVS stores and various Murphy Oil ATM locations throughout the Tri-Cities area. So no matter where you are, we are near by!

Members can access funds 24 hours a day, seven days a week at any ATM machine with a Plus or Star logo (the financial institution that owns the ATM machine may charge an access fee). A member can make FREE foreign transactions each month.

To open your account today, stop by any branch location or call 800-378-3778.

You will need to have a few things to open your ACFCU Checking Account:

  • Valid Driver's license or other official Government issued ID (you must be 18 years of age)
  • Previous Home Address (if you have lived at your current home address less than two years).
  • U.S. Social Security Number
  • A minimum of $20 dollar deposit
  • You must be a U.S. citizen or a U.S. resident alien.