Compare Checking accounts and choose the one that fits your needs

A+ Checking
Earn certificate-like dividends on balances up to $25,000 and up to $20 in ATM fees refunded monthly. No minimum balance or monthly fees.

Free Checking
A basic checking account with no minimum balance and no monthly fees.

Premium Checking
Earn dividends with a low minimum average daily balance.*

Platinum Checking
Earn high-yield money market dividends with unlimited check writing. Includes one free box of checks each year. Minimum balance required.*

*Minimum Average Daily Balance
Our minimum balance checking accounts require an average minimum daily balance, not an absolute minimum like most financials. That means your checking balance on every day of the month is added up and divided by the number of days that month. That average balance is what is used to determine whether you met the minimum daily balance requirement that month.

A+ Checking members receive:
• No minimum balance
• No monthly fee
• No charges from Altra for ATM withdrawals at any U.S. ATM
• Free inbound and outbound Online Standard Funds Transfer upon request
• Free ID Theft 911 protection and resolution service

Qualifying accounts
As an A+ Checking member, you are eligible to receive 4.00% APY* on checking balances up to $25,000 and up to $20 in ATM fee refunds from any U.S. ATM if you meet the four requirements listed below each cycle:**

• Receive your eStatement and A+ Checking Report card at a valid email address
• Sign on to Altra's Free Online Banking
• Make a Direct Deposit into your A+ Checking account ($50 minimum required)
• Make 10 Altra Check Card purchases/transactions (ATM withdrawals do not qualify) 
  

Non-Qualifying accounts                                                                         
If you do not meet the four account requirements, your account is considered non-qualifying and will earn 0.25% APY on your entire account balance for that cycle. To qualify for the next cycle, simply complete the four A+ Checking account requirements.
     
*A+ Checking available for personal accounts only. Qualifying accounts earn currently posted Annual Percentage Yield (APY) on balances up to $25,000; Portion of balance over $25,000 earn 1.00% APY. Rates subject to change monthly.

**A "cycle” begins the last day of one month and ends on the second to last day of the next month; this allows Altra to calculate and post dividends and ATM refunds on the last day of each month. All requirements must be completed and/or posted in each cycle to be considered a qualifying account. Minimum $50 direct deposit required. ATM fee refunds available for ATM withdrawals made from A+ Checking only. Dividends calculated and paid each calendar month on the daily balance. Rate subject to change monthly.

Move your checking account to Altra in three easy steps. Click here for our check mover kit forms.

Your Visa Check Card can be used for signature or PIN purchases and ATM withdrawals. The funds are deducted from your Checking Account. Choose Debit transactions when you want cash back. There is no fee to carry an Altra Check Card or for Credit or Debit purchase. Check Card purchases do not count towards your free non-Altra ATM withdrawals.

Verified by Visa protects your Visa Check Card with a password you create, giving you assurance that only you can use your Visa card online. Activate your card and create your personal password by clicking here or enroll while making an online purchase.

Funds Transfer lets you move money between your Altra accounts and your accounts at other financial institutions electronically. You can choose Standard (3 Business Days) or Premium (Next Business Day) Service. Standard transfers into Altra are free to all members. Standard transfers out of Altra are free with A+ Checking upon request; a modest fee applies to other Checking Accounts. Click for more information.

Pay People allows you to send secure, confidential payments without knowing the other person’s personal banking information for a modest charge. Click for more information.

Overdraft Privilege helps prevent the inconvenience, expense, and embarrassment of a returned check. This discretionary service allows Altra to consider, without obligation, paying occasional, reasonable overdrafts for a member in good standing. Personal checking accounts may be eligible for up to $800 of paid overdrafts – including fees. If Altra chooses to pay NSF items through Overdraft Privilege, our regular NSF fee will apply to each item.

Protect yourself from NSF fees by having money transferred to cover checks from your Savings account, Money Market, Credit Card, Line of Credit, or Home Equity Line of Credit. You can even set up cross-account overdraft protection for other Altra accounts on which you are a joint owner.

Please note – there is no limit to the number of transfers allowed from a loan or credit card, but savings accounts are limited by Federal law to six electronic withdrawals per month. Standard cash advance fees apply to Credit Card transfers. There is a small fee for moving money from a Savings or Money Market; transfers from a LOC or HELOC are free.

Online Banking lets you manage all your Altra accounts. You can check balances, transfer funds, make an Altra Credit Card payment, set up notices to alert you to low or high balances, and much more! Click for a demo.

To use the optional Access 24 Bill Pay system, click on the Bill Payment button in the Online Banking system. You'll be asked to read and accept the Bill Pay disclosure. Within a few days, you'll be able to set up any U.S. company or individual as a payee. You choose who to pay, the payment amount, the date the payment is due, and whether you want this to be a onetime or a recurring payment. All payments are deducted from your Altra checking account on the processing date you specified. There is no charge to use Bill Pay. Click to learn more.

Identity theft can have a devastating effect on victims. If you have an Altra Checking Account, you and the other members of your household are covered by Identity Theft 911, America’s leading identity theft resolution company. Click for more details.

Due to extremely high levels of fraudulent activity, no Credit Card or Check Card transactions (Purchases, Cash Advances, and ATM Withdrawals) are allowed in Russia, Romania, Bulgaria and Macedonia. If you will be traveling overseas, and want to find out if you are able to use your Credit Card or Check Card at your destination, please call us at 800-755-0055 before you go.

Direct deposit is the safe, convenient, and smart way to have your paycheck, social security payment, or dividend payments deposited. Call Altra for more information.

Get your tax refund up to 3 weeks earlier! This year, make your tax refund quicker, safer, and more easily accessible! The IRS will transmit your tax refund directly to your Altra account, and your refund will arrive up to three weeks earlier than if received by mail. Also, there is no check to get lost or stolen, and your refund is instantly deposited. Using direct deposit or automatic payments is easy, convenient, and safe. To set up FREE direct deposit or automatic payments, you will need the following information:

• Altra’s routing number: 291881216.
• Your 10-digit checking account number: Shown on the bottom of your checks (see example).

• Savings account number: Your account number plus your savings account suffix without spaces or dashes.

To receive a Federal Tax refund by direct deposit, include the above information on your IRS 1040 form in the section labeled “Refund.”

To report a lost or stolen Altra Visa Check Card or Cash Card, call 888-918-7722