Checking Accounts
Checking Accounts
Get access to your money through the Ascentra Debit Card or ATM, by writing checks, or even through your smart phone.
Ascentra has the checking account options designed to give you the flexibility to manage your money how you want! So you do you!!!
Ascentra Members
Non-Ascentra Members

Checking Account Comparison
- Members 65 years or better receive checks for free and no service charges!
- No charge for transactions conducted at ATMs owned by Ascentra Credit Union
- 5 FREE ATM transactions/inquiries per month at ATMs not owned by the credit union. If you exceed 5 ATM transactions/inquiries per month at ATMs not owned by the credit union, the charge is $1.00 each.
- No surcharge fees (charged by the owner of the ATM) at Privileged Status Network ATMs.
- FREE access to fraud protection through call and text alerts
- Access your checking account free at 5,700+ CO-OP Shared Branch Locations nationwide.
Reorder Checks
You just looked in your checkbook and noticed that you are almost out of checks - oh no!
Don't worry, you can easily order more checks for your Ascentra Checking Account by filling out and submitting a simple form.
Debit Cards
Your Ascentra Visa® Debit Card works like an ATM Card and can also be accepted like a credit card anywhere Visa is accepted with your money coming out of your checking account.
- No Annual Fee
- Mobile Wallet Compatible
- No charge for transactions conducted at ATMs owned by Ascentra Credit Union
- 5 FREE ATM transactions/inquiries per month at ATMs not owned by the credit union. If you exceed 5 ATM transactions/inquiries per month at ATMS not owned by the credit union, the charge is $1.00 each
- As an added layer of security, our cards come with a heightened level of fraud monitoring services, alerting you via a phone call and text if potential fraud is suspected, allowing you to confirm your purchase or stop fraud before it happens.
Overdraft Protection
We want to make sure you’re covered in case you lose track of how much you’ve spent. Members who have A+ Checking or Economy Checking can choose to:
- Advance a line of credit for no extra charge in $100 increments (for members who qualify).
- Pull from your savings account in $100 increments for a $5.00 transfer fee.
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Visa® SRC (Secure Remote Commerce)
Get RegisteredSwiping your debit and credit cards is so last year. Now you can click-to-pay with your Visa card any time you see this icon at an online retailer.
This makes shopping online easy, smart and secure.
Easy: Simply register your card and click-to-pay at any online retailer that has the symbol above and BOOM! Purchase made.
Smart: Gone are the days of punching in your 16-digit card number, and filling out form fields to make a purchase. Because when you set up your Visa Secure, your primary info such as card number, passwords, address, etc. is remembered and automatically inputted, making your transaction that much faster.
Secure: With advanced technologies and multiple layers of security, Visa is among the top safest debit and credit card companies. -
Courtesy Pay
When you open a checking account at Ascentra Credit Union you’re automatically covered with Courtesy Pay.
For each transaction below your balance, there is a $29.50 Courtesy Pay transaction fee, which can save you from an embarrassing moment, or better yet, returned check and merchant fees!
You will also avoid Non-Sufficient-Funds (NSF) fees.
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Lost or Stolen Visa Credit/Debit Cards
If your Visa® credit or debit card has been lost or stolen and it is during business hours please call us at:
1-563-355-0152 or
1-800-426-5241 ext. 0.
If calling outside of regular business hours please call card services at:
1-800-472-3272 for Visa® debit or 1-855-632-9037 for Visa® credit
Credit Card
No hidden fees. No surprises. No hassle. With the Ascentra Credit Card, what you see is what you get, which includes no annual fee, no balance transfer fee, AND low rates. We call that a win!

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Fixed Rate Mortgage
10 & Done (10 Year Fixed)2.5View Mortgage Loans% -
Vehicle Loans
New & Used Auto as Low as2.90View Vehicle Loans% APR -
Savings
Base Share Savings Starting at0.05View Savings Accounts% APY -
Credit Cards
No Balance Transfer Fee. 6-Mo. Intro Balance Transfer2.99View Credit Cards% APR