Frequently Asked Questions

       
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Account Questions

Does Alaska USA offer investment accounts?

Alaska USA offers insured Money Market and Certificate accounts. Traditional and Roth IRAs are also available and provide tax benefits as well. IRAs are insured separately from your other credit union accounts.

Does Alaska USA offer senior checking?

Alaska USA offers three checking account types to meet consumers' needs. All Alaska USA consumer checking accounts have unlimited check writing and are free with either direct deposit or a low minimum balance.

Does Alaska USA offer trust accounts?

Alaska USA Federal Credit Union can assist in providing members with Living Revocable or Irrevocable Trust accounts. For more information, call the Member Service Center.

How old do I have to be to get a checking account with an ATM or Visa Debit Card?

You must be 13 years old to establish a checking account and Visa Debit card, but parent MUST consent to both. There is no length of time requirement the checking account must be open for prior to being issued a debit card.

How could Federal Regulation D affect me?

Regulation D requires that any early withdrawal made to a new certificate (non-IRA) within six days of being created is subject to an early withdrawal penalty.

When will I receive my statement?

Members receive statements monthly or quarterly, based on the types of accounts they have. Monthly statements are generated if an account has any one of the following:

  • Any money market account
  • A consumer or business checking account
  • Any loan identified by loan type L1-L11
  • An active debit card

Accounts that receive monthly statements are divided into four groups based upon the last digit in their account number. Normally, paper statements are mailed within five working days from the date they were prepared. eStatements (electronic statements) can be accessed on the same schedule.

Last digit of account number Approximate date of statement
0 or 1 7th of month
2, 3 or 4 14th of month
5, 6 or 7 21st of month
8 or 9 28th of month

Why was I charged an "International Transaction Fee" on my debit or ATM withdrawal or purchase?

Visa charges a 1% international transaction fee on all card transactions processed outside of the United States. This is a fee assessed by Visa, not by Alaska USA and includes internet transactions initiated in the United States with a merchant who processes the transaction outside of the United States. For VISA ATM withdrawals and debit card purchases this fee will appear as a separate charge on your statement. For Visa credit card transactions, the international transaction fee assessed by VISA is paid by Alaska USA, not passed on to you, and does not appear on your statement.

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