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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.

SmartRate Checking

Receive premium dividends² and ATM refunds with no monthly fee

SmartBalance Checking

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

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.

Allegacy Earns MemberXP 2020 Best of the Best award

The prestigious Best of the Best award is granted each calendar year to credit unions that have consistently provided exceptional member service. Only one in five of the highest-performing credit unions utilizing the MemberXP platform are given this honor.

What others are saying

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Ephraim H.
member from Germantown, NC

You can never over-state the importance of business support that truly makes an impact. Since the inception of FILMCOVE, Allegacy has been there every step of the way. I’m sure their positive impact will continue to be felt by us and others for many years to come. We are grateful.

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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.

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Darrel D.
member since 2004

Great folks to guide us through the process.

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