Share Draft Account | AAACU Online Home Banking | CU* Talk  
  Service Centers | National Shared Branching | ATM 
MasterMoney Debit Card | ATM Card | Payroll Deduction | Direct Deposit  
  Travelers Checks & Money Orders | Senior Members  
 Notary Service/Signature Guarantees | Bill Payment & Collection Service

Identity Theft Protection

Share Draft Account 

This account is designed especially for you.

• No monthly fees

• No minimum balance requirement

• Three (3) free boxes of select style checks each year

• Overdraft protection to qualified borrowers

• Itemized statement of your account each month.

Click here for further information or for a share draft application.

AAACU CU@Online Home Banking - Demonstrations available at our Alpena office.

Home banking will allow members account access 24-hours a day, seven days a week with the click of a mouse and Internet access.  With aaacu online access, you can do any of the following transactions:

• Transfer money between your checking, savings, and loan accounts

• Transfer money to other authorized member's accounts

• View and print account balances

• Get savings and loan rate information

• And much, much more!

Contact the credit union to sign up by calling 989-356-3577 or 800-443-3577 or click here to send an email.

CU* Talk--Audio Response Program

CU* Talk is our audio response program which allows you to access your account from the convenience of your home or any touch-tone telephone.  With this service, you just call the toll-free number to do any of the following transactions:  obtain current balances on your share and loan accounts, check to see if a particular share draft has cleared, transfer funds within your account, withdraw money from your share account by check and have it sent to you at your home address, change your personal identification number (PIN), check transaction history, and check dividend interest for current and previous years. All you need is your credit union account number, PIN number and a touch-tone telephone.

Toll free CU* Talk number: 800-860-5704
AAACU's Credit Union Access Code: 133

CU Family Service Centers

In conjunction with several Credit Unions in Michigan our Credit Union is a member of Service Centers Corporation.  Twenty-one locations in lower Michigan, two in Maryland, and two in Virginia are available to provide our members convenient places to complete common transactions. They are perfect for the college student or traveler.

• Service Centers

National Shared Branching

Alpena Alcona Area Credit Union is part of National Shared Branching.  That means our members are able to transact their financial business at many more locations across the nation through a unique network of shared branches called Credit Union Service Centers.  This cooperative effort enables over 1,000 credit unions to provide their members with many more locations where they live, work, and travel.  There are over 600 Credit Union Service Centers and outlets in 33 states.  To find a location, visit www.co-opfs.org/public/locators/atmlocator/index.cfm, or contact the credit union.

ATM:  Automatic Teller Machines

Cards are available to members upon approval of an application.  Members use their ATM cards to access their share and share draft accounts at machines bearing the name SC24 Member Access, NYCE or Cirrus.  This card gives member access to their account 24 hours a day, 7 days a week from almost anywhere in the United States and from many European locations.  (However, deposits can only be made into an account within the State of Michigan.)

ATM Surcharge Free Locator

MasterMoney Debit Cards
The MasterMoney Debit Card allows you to make purchases at any Master Card merchant.  It is safe and easy to use.  Each time you make a purchase, swipe the card through the card reader and key in your personal identification number.  The money is deducted from your share draft / checking account.  Retain a copy of your receipt and deduct the amount in your register.  Debit cards can also be used at most ATM machines.

After hours hotcarding services for lost or stolen Debit Mastercard: in the United States 800-754-4128, outside the United States 414-341-6535.

Click here for Debit Card Application
The original application must be received by the credit union.  If approved, you should receive your card in the mail in 10 to 14 days.

ATM Card
Use an AAACU ATM card to access your account 24 hours a day seven days a week. You'll have surcharge free access to thousands of ATM machines across the nation. In addition, the Credit Union has ATM locations at four Credit Union locations:

Click here for ATM Application

Wire Service

For a small fee the Credit Union can transfer funds to or from most financial institutions.

Payroll Deductions

The easiest way to build your savings account and to make your loan payments is by payroll deduction. Your payroll department can automatically deposit your paycheck into your account(s) if your employer elects to provide this service. You may even designate exactly how you want your deduction split into your various Credit Union account(s). Don't wait in long lines anymore!

Direct Deposit

We accept direct deposit from all government agencies, as well as any employer groups who offer electronic direct deposit.

Click here for an enrollment form.

Travelers Checks & Money Orders

American Express Travelers Checks and money orders may be purchased from any one of our three locations. Sorry, these services are not available through the drive-thru. (Not available on Saturdays) 

Senior Members

Travelers checks and money orders are free of charge to our senior members. Also, if you are one of our senior members and have a special need, please let a staff member know so we can better assist you.

• Members Financial Network

Notary Service/Signature Guarantees

Notary Service and Signature Guarantees are free to all Credit Union members.

Bill Payment and Collection Service

There are several insurance and utility companies that will automatically deduct payments from your account.  If there is a payment that you would like deducted automatically, contact the credit union's accounting department to see if the option is available to you.  Also, the credit union collects bills for the following companies:

• Alpena Power Company

• Charter Communications

• Alpena City Water Department

• Alpena Township Water Department

• Presque Isle Electric and Gas

• DTE Energy