
Ascend Checking
Enjoy checking simplified with checkless banking that helps you stay in control of your finances.
Apply NowThis is a good choice if you don’t write checks and want to avoid the possibility of overdraft fees. Manage your finances easily with a debit card and convenient online services. Features include:
Ascend Checking Features
- No monthly service fees with direct deposit of $250 or more each month*
- Paperless – no paper checks
- Stay in control – no overdraft protection
- Mobile deposit access1
- Explore what our Financial Wellness Program can do for you.
*See our Rate & Fee Schedule for more information.
Tools & Resources
We also provide additional tools and resources to help you manage your finances and learn as you go.
Ascend Checking Features
- No monthly service fees with direct deposit of $250 or more each month*
- Paperless – no paper checks
- Stay in control – no overdraft protection
- Mobile deposit access1
- Explore what our Financial Wellness Program can do for you.
*See our Rate & Fee Schedule for more information.
Tools & Resources
We also provide additional tools and resources to help you manage your finances and learn as you go.
Checking Account Features
- Mobile & Online banking with Mobile Deposit¹
- Free Bill Pay
- Direct Deposit discount on select loans
- Visa® Debit Card with chip-enabled technology
- Online Card Management
- including travel notifications and card on/off
- Mobile wallet payment options
- Zero liability for unauthorized debit card transactions²
- 24/7 debit card fraud monitoring
- Fraud Text Alerts³
- Unlimited access to American Airlines Credit Union and in-network ATM’s
APY = Annual Percentage Yield
‡ Qualifications required. See our Rate & Fee Schedule for more information.
§ Receive a monthly foreign transaction fee rebate when you use your debit card for international purchases.
APY = Annual Percentage Yield
‡ Qualifications required. See our Rate & Fee Schedule for more information.
§ Receive a monthly foreign transaction fee rebate when you use your debit card for international purchases.
ADVICE, TIPS & NEWS
How to Sign up for Online Statements
Whether you’re accessing your American Airlines Federal Credit Union accounts on the go with your laptop, smartphone, tablet or desktop computer, our digital banking experience provides you with quick and convenient services.
Learn how to sign up for online statements
Determining if you are ready for retirement
Very often, life doesn’t play out like we planned it. Your master plan may have been to be totally debt free, retire at age 62 and use some of your savings to travel the world. But let’s face it, life can throw us some curve balls and 2020 threw one at the entire world.
Maybe you’re 55 years old, still have a mortgage, a child in college and haven’t reached your retirement savings target. If the opportunity to take early retirement arises, you might not be sure if the timing is right. So what are your best steps forward?

“When buying a new car recently, the branch manager told me of the various ways to shop for the best deal. I got pre-approved, found the perfect dream car and it was delivered to my local branch in three days flat. All paperwork was ready, and it was the easiest transaction of my life.”
Michael, member since 1980
¹ Message and data rates may apply. Check with your mobile provider.
² Visa's Zero Liability Policy covers U.S. issued cards and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use on their card. Consult issuer for additional details or visit www.visa.com/security.
³ Fraud Alerts Program Overview: Messaging frequency depends on account activity. For more information, text HELP to 23618. To cancel fraud text messaging services at any time reply STOP to any alert from your mobile device. For Fraud Alerts support, call (800) 533-0035. By giving us your mobile number, you agree that Fraud Alerts text messaging to notify you of suspected incidents of financial or identity fraud. HELP instructions: Text HELP to 23618 for help or call (800) 533-0035. STOP instructions: Text STOP to 23618 to cancel. Release of Liability: Alerts sent via SMS may not be delivered to you if your phone is not in the range of a transmission site, or if sufficient network capacity is not available at a particular time. Even within coverage, factors beyond the control of wireless carriers may interfere with messages delivery for which the carrier is not responsible. Carriers do not guarantee that alerts will be delivered.
Visa is a registered trademark of Visa International Service Association.