Investor Checking Account

Earn dividends on your spending cash

Works like a checking account—earns like a savings account.

Put your money to work

couple online shopping with a debit card

Every day your account balance is over $1,000, you’ll earn dividends on your Investor Checking account. Your dividends are calculated and compounded daily based on that day’s account balance, and they’re paid out monthly. 

Keep your minimum balance over $1,000 and you won’t pay any monthly maintenance fees. As a member-owned, not-for-profit credit union, our goal is to reduce or eliminate fees wherever we can.  

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

Bouncing a check can be awkward and expensive. When you set up overdraft protection for your Alaska USA checking account from your savings account, money market account, credit line, or home equity line of credit, you can avoid all that. If you need to use your overdraft protection, there’s a small $5 fee.

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.

App Store     Google Play

Checking Account FAQs

When you maintain a minimum balance of $1000 in your Investor Checking account, we automatically waive your monthly maintenance fee. You don’t need to do anything more. 

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, 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 email 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 and Agreement. 

Alaska USA's routing or transit number is 325272021. This number is the first 9 digits listed on the bottom of your checks.  

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*$50 minimum daily balance required to earn dividends.

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

Investor Checking dividends are earned at a rate based on money market conditions, calculated daily, and paid monthly on the total account balance each day the balance is at least $1,000. 

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 or by calling the Member Service Center at 800-525-9094. Please note that the type of account does not automatically change based upon the account balance or direct deposit activity. 

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