As a parent, I considered choosing between the ATM and primary checking accounts for my kids to get used to using a debit card to track their expenses. For myself, I opened an ATM checking account to help re-build my credit score after some financial challenges and not being able to qualify for a primary checking account. Thanks American United for having this option!
American United FCU Member
Open An AccountChecking Account Rates
Rates up to date as of July 28, 2026. Rates subject to change without notice.
| Account Type | Dividend Rate | APY | Minimum Balance | Balance to Earn Monthly Dividends |
|---|---|---|---|---|
| Primary Checking | 0.050% | 0.050% APY | $0 | $500+ |
| GoldStar® Checking1 | 0.100% | 0.100% APY | $0 | $500+ |
| Business Basic Checking | 0.050% | 0.050% APY | $0 | $500+ |
| Business Premier Checking | 0.200% | 0.200% APY | $0 | $500+ |
| ATM Checking2 | — | — | $0 | — |
| Fresh Start Checking2 | — | — | $100 | — |
| Empowered Checking3 | — | — | $ 0 | — |
APY = Annual Percentage Yield. Membership required, on approved credit, and rates subject to change at any time without notice. Credit union deposits are federally insured by the NCUA.
1. Additional requirements apply for GoldStar® membership.
2. Checks are not allowed on ATM or Fresh Start checking accounts.
3. Must be referred through BankOn for Empowered checking accounts.
For more information visit Terms & Conditions, Current Rates, and Fee Details.
Build credit with a Share Secured Loan
- Borrow funds using your savings as collateral
- Terms up to 120 months
- No loan fees
- Quick & easy approvals
- Earns End-of-Year Member Reward Dividend