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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

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Laura G.
member from Kernersville, NC

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.

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Ken M.
member since 2005

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.

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David T.
member from Anaheim, CA

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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