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Personal Checking

Personal checking with AGCU means the very best in customer service, member benefits and account resources.

  • Free online banking
  • Free e-statements
  • Free bill pay
  • Mobile banking
  • And more!

Free Checking Accounts

AGCU members enjoy the best in free checking with no worries and no hassles.
Free LoyaltyPlus Checking

Free LoyaltyPlus Checking gives you the best of both worlds: free checking plus interest rates that meet or exceed many popular savings options.
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Just add your AGCU debit card to your mobile wallet, and you can pay even when you don’t have your card with you.
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As an AGCU member, your VISA Debit Card lets you withdraw funds without writing a check. You also get all of the functionality of an ATM card.


Manage and monitor your Visa Debit Card with MyCardRules. Sign in to Online or Mobile Banking with your device to manage access to your card, view receipts and track your balance in real time. You are in control!

Co-Op ATM & Shared Branch Network

AGCU is a proud member of the Co-Op ATM and Shared Branch Network. That makes it easy and convenient to access your money anytime and anywhere.

Surcharge-free ATMs
throughout the United
States and Canada
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Deposit-taking ATMS in the Co-Op ATM Network
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Shared Branches nationwide
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Protecting your Visa® debit or ATM card from fraud requires 24/7/365 monitoring. Our fraud detection programs monitor your card transactions for any suspicious activity. If potentially fraudulent transactions are taking place, we’ll contact you immediately so that future fraudulent transactions can be avoided.

Report Fraud

Call AGCU at 866-508-AGCU (2428) to report fraudulent charges or if your credit or debit card has been lost or stolen.


Connect your AGCU accounts for added protection from overdrafts.


An overdraft occurs when you do not have available funds in your checking (share draft) account to cover a transaction, but we pay it anyway. AGCU may authorize and pay overdrafts for some types of transactions.

Get in Touch

Contact AGCU today to open your account! Call us at 866-508-2428 or get in touch with us online to learn more!