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Basic Checking

Basic Checking is Accentra’s free checking account. A $50 deposit is needed to open an Accentra checking account. There are no maintenance fees or transaction charges associated with this account and it is non-interest bearing. Basic Checking best serves members that use their debit cards infrequently and those that haven’t signed up for e-statements. The Basic Checking account provides the following:

Free home and mobile banking, Call 24, tablet apps, and a free debit card

No Monthly Maintenance or Transaction Charges

Auto Transfers - $2.00¹

Bill Pay (per month) - $2.00²

Courtesy Pay up to $500³

Six free uses of non-Accentra owned ATMs (per month – any additional use is $2.00)⁴

Personalized Debit Card Design (UDesign) - $10.00

Replacement debit card - $4.00

UChoose® Rewards⁵

¹ From savings or line of credit to cover overdrafts. Transfers are made in increments of $100.
² Must meet eligibility requirements.
³ Accentra's current NSF paid or return item charge is $33.00. All checks (paid or returned) and recurring point of sale transactions that put a member's account in the negative will be charged $33.00 per item. The overdraft amount must be satisfied within 30 days. Accentra will not pay an overdraft if a checking account has been open for less than six months.
⁴Surcharges may apply.
⁵ UChoose® Rewards registration required.