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Checking Account Comparison

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Compare checking accounts to see which one meets your needs!
  Free Checking A+ Checking A+ Platinum Live Your Life
Spend Account
(available for ages 13-23)
Dividends No Dividends Earned 2.25% APY* up to $15K
0.20% APY* over $15K		 3.25% APY* up to $15K
0.20% APY* over $15K		 No Dividends Earned
ATM Refunds No ATM Refunds Up to $20 per monthly cycle No ATM Refunds No ATM Refunds
How to Qualify
  • No monthly qualifications needed.
  • Make 10 (ten) purchases with your Altra Visa Debit Card each monthly cycle. ATM transactions do not qualify.
  • Have one Direct Deposit or ACH of at least $50 into your A+ account each monthly cycle.
  • Log in required through Altra.org or the Altra mobile app at least once per cycle. Aggregation services such as Quicken or Mint will not count as a valid login. For security purposes, we recommend using the most recent version of the mobile app available.
  • Receive your monthly A+ Checking report card and eStatement at a valid email address.
  • 0.05% APY* if dividend qualifications not met.
  • Make 20 (twenty) purchases with your Altra Visa Debit Card each monthly cycle. ATM transactions do not qualify.
  • Have one Direct Deposit or ACH of at least $250 into your A+ Platinum account each monthly cycle.
  • Log in required through Altra.org or the Altra mobile app at least once per cycle. Aggregation services such as Quicken or Mint will not count as a valid login. For security purposes, we recommend using the most recent version of the mobile app available.
  • Receive your monthly A+ Platinum report card and eStatement at a valid email address.
  • 0.05% APY* if dividend qualifications not met.
  • Have ten (10) Debit Card purchases with your Free Altra Visa Debit card each monthly cycle. Transactions less than $1.00 will not count towards Debit Cash Back Rewards. ATM transactions do not qualify.
  • Qualified accounts will receive Cash Back Rewards of $0.10 per transaction ($1.00 minimum purchase per transaction required) after the 10- transaction minimum requirement is completed each cycle
  • Receive your monthly eStatement at a valid email address.
  • $0.00 Cash Back Rewards paid if qualifications not met.
For Members who:
  • Have basic or low account activity.
  • Need to keep funds separate from main or A+ account.
  • Do not have direct deposit available for the foreseeable future.
  • Do not use online or mobile banking.
  • Prefer paper statements.
  • Use ATMs frequently.
  • Have infrequent point of sale activity.
  • Have paychecks, retirement income, monthly dividend checks, etc. of less than $250 direct deposited monthly.
  • Keep a high balance and use this account as their main account.
  • Have paychecks, retirement income, monthly dividend checks, etc. of over $250 direct deposited monthly.
  • Do not want to worry about Overdrafts or Fees. Live Your Life does not charge you Overdraft Fees!
  • Want to be able to spend your money conveniently and earn rewards for purchases.
  • Check writing is not available and checks presented against this account may be returned unpaid.

With an Altra checking account, you’ll enjoy all of the following features for FREE:

Links to Full Disclosures and more information

*Free Checking
*A+ Checking
*A+ Platinum
*Live Your Life
Checking Comparison Chart (PDF)
*Service Fees
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