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Checking

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.

SmartBalance Checking

Our basic, user-friendly, check-free (card-based) checking account

SmartRate Checking

Receive premium dividends² and ATM refunds with no monthly fee

Preferred Checking

Earn dividends and get free checks³ with direct deposit

Compare our Checking Accounts

SmartBalance¹SmartRateAllegacy Preferred
Monthly Service charge$4.95, or Free with Direct DepositNone$3, or Free with Average Monthly Balance of $250
Opening Balance$50$50$50
Minimum BalanceNoneNoneNone
Dividends EarnedNoYesYes
Free Allegacy Visa® Check CardYesYesYes
Free Direct DepositYesYesYes
Free Overdraft ProtectionNoneYesYes
BenefitsTotally Digital Account; No ChecksATM Fees Refunded²Free Checks³ with Direct Deposit
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, 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.

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What others are saying

older couple kissing and taking a selfie
Karen B.
member from Kernersville, NC

Easily answered all my questions and concerns. Very helpful and helped me know what I needed to do.

young sporty couple on bike ride
William P.
member from Winston-Salem, NC

Felt a personal connection with the Allegacy associates that I dealt with.

father and son taking a selfie photo with their beagle dog
Darrel D.
member since 2004

Great folks to guide us through the process.

two young women with dog in park
Angelia J.
member since 2005

I was treated with respect, trust and honor. The team that worked with me helped me get everything done in a timely fashion. I will always be grateful for all the help that was given to me.

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