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.
Our basic, user-friendly, check-free (card-based) checking account
Receive premium dividends² and ATM refunds with no monthly fee
Earn dividends and get free checks³ with direct deposit
Compare our Checking Accounts
| SmartBalance¹ | SmartRate | Allegacy Preferred | |
| Monthly Service charge | $4.95, or Free with Direct Deposit | None | $3, or Free with Average Monthly Balance of $250 |
| Opening Balance | $50 | $50 | $50 |
| Minimum Balance | None | None | None |
| Dividends Earned | No | Yes | Yes |
| Free Allegacy Visa® Check Card | Yes | Yes | Yes |
| Free Direct Deposit | Yes | Yes | Yes |
| Free Overdraft Protection | None | Yes | Yes |
| Benefits | Totally Digital Account; No Checks | ATM Fees Refunded² | Free Checks³ with Direct Deposit |
²ATM fees will be refunded up to $25 per month, only if all SmartRate Checking eligibility requirements are met. Requirements include: eStatements, ten check card transactions and direct deposit (or ACH debit) per cycle. All rates, terms and products are subject to change without notice.
³Each preferred checking account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year.
2018 Best Credit Union
Allegacy was voted Best Credit Union in the Winston Salem Journal Readers Choice Awards.
What others are saying
We had heard very positive comments regarding Allegacy so we applied for membership and a vehicle loan. Selina made the whole experience seamless and enjoyable. We will certainly consider Allegacy for any future financial needs.
As always you are very helpful, courteous, and professional. You and people like you are the reason I am with Allegacy and will never go back to a bank.
At 1st, I was weary of the thought an out of state bank. Brandi and your team made the process so easy. She was very responsive informative and helpful. I am very thankful i found you guys.
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