Fraudsters are after your money. Please be aware of an increase in phone, email, text, and mail/mailbox- based scams requesting your personal information, PINs, and debit cards. Scammers can alter the number and name sent to your caller ID or email to disguise their identity. Never give out your online banking credentials, log in or account information to anyone contacting you, including someone claiming to be from Allegacy. When in doubt, call us at 336.774.3400 to confirm or to report suspected fraud.
Find your balance. Blaze your trail.
The value of your checking account isn’t just in a number. It’s in the vision you have for your life. That’s why we design our checking accounts to work smarter and harder for you with features like higher yields, lower fees and lots of free services.
Receive premium dividends² and ATM refunds with no monthly fee
Our basic, user-friendly, check-free (card-based) checking account
Earn dividends and get free checks³ with direct deposit
Make purchases just about anywhere you go
Compare our Checking Accounts.
Monthly Service Charge
Monthly Service Charge
Opening Balance
Opening Balance
Minimum Balance
Minimum Balance
Dividends Earned
Dividends Earned
Free Allegacy Visa® Check Card
Free Allegacy Visa® Check Card
Free Direct Deposit
Free Direct Deposit
Overdraft Protection
Overdraft Protection
Benefits
Benefits
Open a Checking Account today!
Digital Best Checking³
Monthly Service Charge
$4.95, or Free with Direct Deposit
Opening Balance
$50
Minimum Balance
None
Dividends Earned
No
Free Allegacy Visa® Check Card
Yes
Free Direct Deposit
Yes
Overdraft Protection
None
Benefits
Totally Digital Account; No Checks
Open a Checking Account today!
SmartRate
Monthly Service Charge
None
Opening Balance
$50
Minimum Balance
None
Dividends Earned
Yes
Free Allegacy Visa® Check Card
Yes
Free Direct Deposit
Yes
Overdraft Protection
Yes
Benefits
ATM Fees Refunded²
Open a Checking Account today!
Allegacy Preferred
Monthly Service Charge
$3, or Free with Average Monthly Balance of $250
Opening Balance
$50
Minimum Balance
None
Dividends Earned
Yes
Free Allegacy Visa® Check Card
Yes
Free Direct Deposit
Yes
Overdraft Protection
Yes
Benefits
Free Checks4 with Direct Deposit
Open a Checking Account today!
Open a Checking Account today!
Not finding what you're looking for?Contact Us.
The ease of using the app and the convenience of the service is excellent.
Bradley— Clemmons, NC
Let's be our best, together.
When you become an Allegacy member, the benefits aren’t just individual. When you invest with us, we invest in arts, education, health and community service organizations throughout the Triad. It brings us joy to help our community thrive. It’s also the right thing to do.
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Don’t Wait Golf Tournament
Allegacy Federal Credit Union is hosting the 25th Annual DW Benefit Golf Tournament at Bermuda Run Country Club in Bermuda Run, NC on Thursday, October 3rd, 2024. To date, the … Continue reading →
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Supporting Educators + Helping Students Be Their Best
Throughout its history, Allegacy has had a steadfast commitment to helping people be their best through education. Since 2008, when we opened the state’s first Student-Run Credit Union, Allegacy has … Continue reading →
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Angel Tree
Helping Santa make it to every house Not every family can afford to have Christmas. Angel Tree exists to change that. Founded by the Salvation Army in 1979, the program … Continue reading →
Disclosures
All checking accounts require a $50.00 opening balance. ¹This account does not include check-writing privileges. If checks are ordered from an outside vendor on this account, they will be returned. Allegacy provides eStatements as a free service; however, you must sign up for eStatements to receive them. If you choose to receive a printed monthly statement, there is a monthly fee of $2.00.
²ATM fees will be refunded up to $25 per month, only if all SmartRate Checking eligibility requirements are met. Requirements include: eStatements, at least twenty check card transactions per cycle, and a direct deposit (or ACH debit) per cycle. All rates, terms and products are subject to change without notice. If you choose to receive a printed monthly statement for your SmartRate checking account, there is a monthly fee of $2.00. ³Each preferred checking account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year.
