Alliance Checking
Make life a little easier with an Alliance checking account featuring FinanceWorks™. All of our accounts offer a host of features that save you time and money such as Online Banking, Bill Payer, and surcharge-free ATMs.
Personal Checking Accounts
Fresh Start Checking
Courtesy Coverage
ATM/Debit Card

Personal Checking Accounts
Whatever your needs are, one of our checking accounts can meet them. Choose one that’s right for you. Click here to open an account online.

Need a fresh start? Take a look at our Fresh Start Checking account to help re-establish your account management history.

Checking Account Features Value Checking Dividend Checking
Minimum Opening Deposit $50 $15,000
Minimum Monthly Balance None $15,000
Monthly Service Charge1 Free with Direct Deposit, a minimum daily balance of $1,000, a loan relationship with Alliance or if member is under the age of 23. Free with a balance of $15,000 or more
In-Network ATMs2
Co-Op Network®
Free and unlimited Free and unlimited
Out-of-Network ATMs3 4 free per month, 5 or more = $2 each 4 free per month, 5 or more = $2 each
Interest None See Rates
Online Banking Free Free
Online Bill Payer Free Free
eStatements Free Free
Other Features Track spending & create budgets with FinanceWorks™ One complimentary box of safety checks per year
Additional Services
Fee Schedule : Financial Tools : Locations : ATM Finder

Open an account

[1] Value Checking monthly service charge is $6. Value Checking monthly service charge is waived with a minimum Direct Deposit of $500 per month, with a minimum daily balance of $1,000, with a loan relationship or if member is under the age of 23. Dividend Checking monthly service charge is $7. Dividend Checking monthly service charge is waived with a daily balance of $15,000 or more. If balance falls below $15,000, monthly service charge will be assessed.
[2] All ATMs in the Co-Op Network (including 7-Eleven Stores) are surcharge free. Charges may apply for out-of-network use. Please refer to our most recent Fee Schedule. Out-of-network ATM providers may also assess additional service charges.
[3] Fees on our most recent fee schedule apply. Out-of-network ATM providers may also assess additional service charges.
Fresh Start Checking
What is Fresh Start Checking?
It is a restricted checking account that helps you re-establish account management history.

Who is Fresh Start Checking for?
Fresh Start Checking is for individuals who have been restricted from opening a checking account due to a ChexSystems record or previous account mismanagement.

How do I open a Fresh Start Checking account?
  1. Talk to an Alliance representative to see if you qualify. Please stop by any financial center or give us a call at 800.232.8669.
  2. Complete the Checking Account Management course and receive a score of 90% or higher on the quiz.
  3. Meet with an Alliance Member Relationship Manager to open your account. You will need to have a Member Share account1 and make a deposit of $50 or more into your new checking account. Please refer to Account Details below.

Account Details

  • MasterCard debit card
  • Online Banking
  • eStatements
  • Mobile and Text Banking
  • A low $10 monthly service fee
  • No monthly minimum balance requirement
  • If account is in good standing after one (1) year, you may be eligible for Free Checking and our Overdraft Protection Program.

Eligibility and Requirements
  • You must be 18 years of age or older, and
  • Maintain a Member Share account1, plus
  • Fresh Start Checking accounts must have an initial deposit of $50.00 or more, and
  • You need to complete the Balance Checking Account Management course with a score of 90% or higher prior to opening the account.
Please visit to take a quick course about properly managing your checking account. Complete the quiz at the end of the course. If you score 90% or better, you may be eligible for the Fresh Start Checking account. You are able to take the quiz up to three (3) times. If you do not pass the test after the third (3rd) try, you must wait ninety (90) days from the date of the last quiz. After ninety (90) days, you are allowed three (3) more attempts.

Proper Identification Please provide a Drivers License or state-issued ID card for each member that will be on the account.

If you have any questions about the Fresh Start Checking account or any other account Alliance offers, please give us a call at 800.232.8669. If you would like to become a member of Alliance Credit Union, please click here.

Please click here for current Fee Schedule.

[1] Requires a one-time membership fee of $10, plus an initial deposit of $50 into the Member Share (savings) account.

Your savings are federally insured by the National Credit Union Administration to at least $250,000. Learn more.
Courtesy Coverage1

Alliance offers Courtesy Coverage, an overdraft program offered as a safety net for eligible Alliance Checking members. If your balance is lower than you thought or an unexpected expense occurs, Courtesy Coverage can save you the embarrassment of being declined and cover transactions when there are not enough funds in your checking account.

Enrollment in Courtesy Coverage is free and it costs you nothing if you do not use the service. In the event you do use Courtesy Coverage, it costs just $29 per overdraft for peace of mind.

Please notify us if you want Courtesy Coverage for your checking accounts by either clicking the link below or calling 800.232.8669.

Courtesy Coverage

Other overdraft options
You can also link your checking account to an Alliance savings account, money market or line of credit to cover transactions when you do not have sufficient funds. Please stop by a financial center or give us a call at 800.232.8669 for details about these options.

[1] Alliance Credit Union Courtesy Coverage offers optional additional coverage for everyday ATM and debit card transactions. The overdraft fee, whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means, is $29 per item ($145 maximum per day). The monthly overdraft limit is $1,000 including fees. Alliance Credit Union pays overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. Not available for Fresh Start Checking or Business Checking accounts. You must bring your account balance positive within each 30-day period for Courtesy Coverage to continue uninterrupted. Recurring ACH and check transactions that exceed your balance may continue to be authorized even if you do not sign up for Courtesy Coverage.

Note: Are you traveling soon? Make sure to let us know so we can take the proper security procedures when it comes to you using your ATM/Debit Card during your travels. With the recent fraud activity taking place it’s important that you take every precaution and allow us to help prevent unauthorized activity on your accounts. Please send us a secure message with your information through your Online Banking account or fax us at 408.445.9327. Please make sure to include the following in your message:

  1. Card members who will be traveling
  2. Last 4 digit of each Alliance ATM/Debit card you are planning to use on your trip
  3. Primary Locations, states and/or countries, where most of your travel will take place
  4. Travel start and end date

ATM/Debit Card
Everyone needs an ATM card. This one is ours. MasterMoney is our ATM/Debit card that's faster than writing checks, and safer than carrying cash. MasterMoney offers you:

  • Acceptance at over 15 million merchants worldwide
  • Access to over 50,000 surcharge-free ATMs nationwide
  • No annual fee
Current Alliance members may apply for a MasterMoney ATM/Debit Card by calling our Service Center at 408.445.3386 or 800.232.8669 nationwide. Or visit your local Alliance financial center.

MasterCard SecureCode™ puts you in control when shopping online. With SecureCode™ only you can approve online debit card purchases. Click here to register.

Is your debit card blocked?
Falcon® is Alliance Credit Union’s ATM/Debit card monitoring service. Falcon is a third party monitoring service that reviews transactions for unusual or suspicious activity. This means if there are out-of the-ordinary transactions your card could be blocked. If your card is blocked for unusual activity and you miss the monitoring service’s call, use one of these of numbers to verify recent transactions and unblock your card.
  • Call: 888.241.2440
Is your card lost or stolen?
If your card is lost call one of these numbers to cancel your card right away:
  • Within the United States: 888.214.2510
  • Outside of the United States (call COLLECT): 909.941.1398
As always, you can call our Service Center with any questions at 800.232.8669, Monday - Friday 6 a.m. - 6 p.m. and Saturdays 6 a.m. - 2 p.m. PST.

©2010 Alliance Credit
Union, All Rights Reserved
Your savings federally insured to at least $250,000 and backed
by the full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Government Agency