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

Digital Best Checking

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

Preferred Checking

Earn dividends and get free checks³ with direct deposit

Visa Check Card

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

  • Free Overdraft Protection

    Free Overdraft Protection

  • Benefits

    Benefits

Open a Checking Account today!
Open Now

Digital Best Checking¹

  • 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

  • Free Overdraft Protection

    None

  • Benefits

    Totally Digital Account; No Checks

Open a Checking Account today!
Open Now

SmartRate

  • Monthly Service Charge

    None

  • Opening Balance

    $50

  • Minimum Balance

    None

  • Dividends Earned

    Yes

  • Free Allegacy Visa® Check Card

    Yes

  • Free Direct Deposit

    Yes

  • Free Overdraft Protection

    Yes

  • Benefits

    ATM Fees Refunded²

Open a Checking Account today!
Open Now

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

  • Free Overdraft Protection

    Yes

  • Benefits

    Free Checks³ with Direct Deposit

Open a Checking Account today!
Open Now
Open a Checking Account today!
Open Now
Not finding what you're looking for?Contact Us.

Very easy to use. Love all the benefits of banking with Allegacy!

Belinda M
— member for over 7 years

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.

  • Female Leader Casual Candid Portrait

    Promoting Economic Development

    As an extension of our community outreach, we support local chambers of commerce and other organizations that promote economic development in the communities within our footprint. Some highlights of our … Continue reading →

  • Male Student Smiling in Hallway

    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 →

  • Smiling young African woman working online with her laptop

    Promoting Financial Health + Wellbeing

    At Allegacy, we live out our brand promise of doing the right thing for the wellbeing of our employees, members, and the broader community by promoting financial health. We are … Continue reading →

Back to top Back to top

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, 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.