Core Checking Accounts

Easy checking for careful budgeters

No monthly maintenance fee, no minimum balance, and no non-sufficient fund (NSF) fees.

Simple, easy checking

financial advisor meeting with a client

Your everyday banking is quick and easy with an Alaska USA Core checking account—whether you’re paying your monthly bills or getting cash from the ATM for a big night out. 

  • No monthly maintenance fee. 
  • No minimum balance requirement. 
  • No transaction limit. 
  • No non-sufficient fund fee. 
  • No fee to transfer money between your Alaska USA accounts, stop a payment, or get a copy of one of your checks. 

Checking Account Features

Easy Access and Top Security

Your Visa Debit Card is linked to your Alaska USA checking account, and gives you 24/7 access to your savings, money market, consumer loan, or credit line at an ATM. 

Your Visa Debit Card includes built-in security features

  • Visa's Zero Liability Policy protects you from unauthorized charges if your card is stolen.  
  • Easily turn on or off your debit card with the Alaska USA app. 
  • EMV smart chip technology protects your account with chip-and-pin security. You can also use contactless payment for a faster, more secure checkout. 

Visit Branches and ATMs Across the Globe

With your Alaska USA Visa Debit Card, you get access to 55,000+ surcharge free ATMs worldwide. 

As part of the CO-OP Shared Branch Network® you can visit a branch to access your accounts at thousands of locations across the U.S.  

Shared branch locations offer a range of services that may include: 

  • Deposits, withdrawals, and transfers. 
  • Loan payments.
  • Visa cash advances, check withdrawals, and money orders. 
  • Notary services. 

Overdraft Protection

Core checking won’t allow you to overdraw your account—accidentally or otherwise. If you want the flexibility to go over your balance if you need to, then Latitude checking is more your style. 

Even More Convenience

Every Alaska USA checking account gives you some great additional benefits. 

  • The annual fee on your Alaska USA Visa® Credit Card is waived when you have an Alaska USA checking account. 
  • Your first box of checks is free. After that, it’s easy to order checks online.  
  • Carbonless check copies let you easily keep track of each check as you write it. You can also view and print your canceled checks online or call us to get a free copy of a check. 
  • Our Member Service Center lets you talk to a real person, 24/7 and every day of the year. 
Alaska mobile app

Online & mobile banking 

Secure, convenient, and available 24/7

  • View your account balances and recent transactions.
  • Transfer money between your accounts or send to family and friends.
  • Deposit checks and make payments.
  • Turn your Alaska USA Credit Union Debit and Credit Cards on or off.

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Checking Account FAQs

Yes, all Alaska USA checking accounts are federally insured up to $250,000 by the NCUA, an agency of the U.S. government. This includes accounts for individuals, businesses, organizations, associations, and public units

Yes, our ClickSWITCH program makes it easy to switch all of your direct deposits and automatic payments to your new Alaska USA checking account. Just enter your deposit and payment information into our secure system and we’ll contact all the depositors and billers to switch your payments over to your new Alaska USA account. If you have any issues, you can call our Member Service Center 24/7 at 800-525-9094. 

Yes, if you are enrolled in online banking, you can receive eStatements instead of paper statements in the mail. You can also sign up to receive an e-mail reminder when your new eStatement is ready. 

To sign up for eStatements: 

  1. Log in to your account. 
  2. Click the Account Services tab. 
  3. Click Request eStatements.
  4. Review and accept the Electronic Statements and Notices Disclosure Agreement. 

While there is no monthly maintenance fee for a Core Checking Account, other fees may apply in some situations. Look at our Schedule of Service Fees for more details. 

Alaska USA's routing or transit number is 325272021. This number is the first 9 digits listed on the bottom of your checks.  Generate your full ACH number with our calculator.

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1Members who open checking accounts must be at least 13 years of age and are subject to Chex Systems verification.

You may change your checking account type at any time without changing your account number or reordering checks. Change your account at any branch, or by calling the Member Service Center at 800-525-9094

For complete account information, refer to the Share Account Disclosure Statement. You will also receive a copy when you open an account.

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