Access Checking Accounts
When it comes to Checking Accounts, we believe in giving you the most for your membership experience. Our checking products are here to give you the best security, convenience, as well as an abundance of features to help you build financial security. All Access Checking Accounts offer you benefits such as:
- Zelle Payments - Easily send and receive money with Zelle
- ESI (Excess Share Insurance) - Doubling NCUA deposit insurance up to $1,000,000
- Access to over 60,000 FREE ATMs and free local ATM usage at credit union ATMS
- Live-Chat
- 24/7 Debit Card Support
- Supporting the community and local schools by swiping debit cards
- Multiple overdraft options
- Fun Debit Card Designs for Everyone! Click HERE to see available designs
- No maintenance fees and no minimum balance
- $100 of FREE overdraft protection
- Free checks
- Early access to your paycheck with direct deposit
- Earns interest
- Discounted loan rates with direct deposits
Earn 3.25% APY with our rewards checking account. APY rate will be applied automatically to checking accounts meeting these qualifications after the first day of the following month:
- Must have monthly direct deposits of at least $500
- Must have an average daily balance of $1,000
- Higher APY interest rate only paid on first $10,000 balance
- Must be enrolled in online banking and estatements
- Must have at least 15 debit card swipes a month
- APY is Annual Percentage Yield and is subject to change without notice
- This automatically applies to All Access checking accounts that meet these requirements
$10 Monthly maintenance fee
Employee payroll processing through online banking
Free checks
Click HERE to learn more
Completely free
Kids earn money/toys with good report cards
Helps educate kids the basics of personal banking in a fun and engaging way
The Access Advantage checking account is for those looking to rebuild their checking account relationship, also known as a second chance account. The Advantage Checking account allows you to establish a positive deposit relationship with the credit union by giving you access to:
Instant Issue Debit Cards
Overdraft Options
Direct Deposit
Mobile Banking
Home Banking
E-Statements
Learn About Overdraft Protection
Set Up Direct Deposit
Open a new account
RATES
Auto - As low as 6.49%
Home Equity - Please Call
Signature - As low as 11.99%
Money Market - 0.80% - 1.60%
5 Month CD - 4.50%
13 Month CD - 3.85%
APPLY FOR A LOAN
OPEN AN ACCOUNT
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CONVENIENT LOCATIONS
With 4 locations and over 40 ATMs in Amarillo, and over 50,000 ATMs nationwide, you can be sure that you have Access whenever you need it.
FIND A BRANCH OR ATM NEAR YOU
Welcome to Access Community Credit Union in Amarillo, Texas!
At Access Community Credit Union, we believe in providing our members with the financial tools they need to achieve their goals. As a not-for-profit financial institution, we return our profits back to our members in the form of better rates and lower fees. Our goal is to help you make the most of your money, and we strive to do this through a variety of products and services.
Our Services:
Checking and savings accounts
Loan options, including personal, auto, and home loans
Credit cards with competitive rates
Online and mobile banking
Investment services
And more!
Why Choose ACCU:
Local decision making
Personalized service
Competitive rates
A commitment to our community
At Access Community Credit Union, we are more than just a financial institution. We are a part of the Amarillo community and we take pride in supporting and giving back to our neighbors.
Visit us today and discover why Access Community Credit Union is the right choice for you and your financial future.
OUR STORY
In 1953, Southwestern Public Service CO (SPS) employees came together to establish Public Service Employees Credit Union. This not-for-profit cooperative would serve employees and their families growing financial needs under the mission of “people helping people.”
As the company continued to grow, so did the credit union and in 1999 Public Service Employees Credit Union was renamed and rebranded as Access Credit Union and membership was opened to select employer groups.
In July of 2003 Access was granted a community charter to allow anyone who lives, works, worships or attends school in Potter or Randall counties eligibility for membership.
The credit union operates 4 branch locations in Amarillo: 6401 S. Bell, 201 Tascosa Road, 2531 Paramount Blvd, and the Mortgage Center, 6020 I-40 West.
The credit union today looks vastly different from the one in 1953. In building on the mission of “people helping people,” the board and senior team began in the early 2000’s to refocus toward the future. “Helping You Build Financial Security” was defined as the credit union’s purpose statement under the foundational core values of “relationships, integrity and service.” Since that time the credit union has doubled in asset size, with growth sustained by making member focused decisions, and introducing member focused products and services. For Access, member focused means one thing, always providing “trusted advice” regardless of the issue or situation. We believe this helps more families in our community and those families will tell other families and friends.
What makes us different than a bank?
Bank profits generally benefit a group of shareholders who own stock in the bank. Credit union profits are returned by lower loan rates, and fees as well as higher dividend rates on deposits to all credit union members. Another major difference is that credit unions are governed by volunteer board of directors elected by the membership. At Access and at most credit unions these board members are not compensated monetarily. Simply put, credit unions offer many similar services of banks (loans, checking accounts, online banking, apps, etc) but serve a different purpose: to provide a better deal to the members.
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We take the time to understand who you are as an organization to determine how we can best serve you. Our goal is that the products and services we offer, allow you to thrive in that purpose.
empower your people.
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run your business
By implementing best practices and our extensive specialized knowledge, we free you up to focus on what you do best. We eliminate costly, unnecessary distractions and downtime, giving you the predictability and confidence you need to run your business.