Click here to compare Checking accounts and choose the one that fits your needs.

Altra Plus (A+) Checking
Earn one of our highest dividend rates and get up to $20 in ATM fees refunded each month.

Free Checking
The right choice for those who doesn’t like to maintain a minimum balance.

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

Platinum Checking
Combine money market rates with all the convenience of a real checking account!

*What is a Minimum Average Daily Balance?
All of Altra’s minimum balance checking accounts require a Minimum Average Daily Balance… not an absolute minimum like most other 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 balance requirement that month.

Qualifying activities for each cycle
Receive an eStatement                     
Use Altra's Free Online Banking                         
Have one Direct Deposit or one ACH Automatic Debit              
Make ten Altra Visa Check Card purchases (not ATM withdrawals)   

Qualifying accounts earn:                                                                                 
5.05% APY on balances from $.01 up to $25,000
1.00% APY on portion of balance over $25,000     
ATM refunds of up to $20 per cycle from any U.S. ATM   

Non-qualifying accounts earn:                                                                         
.25% APY on entire account balance     
                  
All A+ Checking Accounts receive these additional benefits each cycle
No minimum balance required, 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

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