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nHanced Checking: 
Additional Account Information:
Available to personal accounts only
Only one (1) nHanced Checking account per Taxpayer Identification Number
Must have at least five (5) approved services to qualify for nHanced Checking.  Classification as nHanced may be lost if the number of approved services used by the member falls below the minimum.
Additional fees may be incurred for the following items: check orders, Overdraft Privilege fees, Returned Item fees, Insufficient Funds fees, Transfer fee, Statement Copy fees (other fees may apply). Imposition of these fees may result in reduced earnings on your account.
1APY=Annual Percentage Yield. APYs accurate as of July 31, 2015. The interest rate and the APY may change daily after account is opened based on the determination of the credit union board of directors. No minimum deposit to open. If qualifications are met each Monthly Qualification Cycle: 1. ATM fees incurred during Qualification Cycle will be reimbursed and credited to account on the last day of monthly statement cycle; 2. balances up to $15,000.00 receive an APY of 2.50%; and 3. balances over $15,000.00 earn a Dividend Rate of 0.25% on portion of balance over $15,000.00, resulting in an APY of 0.54-2.50%, depending upon the balance. Qualifying transactions must post to and settle account during Monthly Qualification Cycle. Transactions may take one (1) or more banking days from the date transaction was made to post to and settle an account. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" is not the same as monthly statement cycle. Fees may reduce earnings. Only one (1) nHanced Checking account per Taxpayer Identification Number. Must have five (5) approved ATCU services to qualify for nHanced Checking.  Classification as nHanced may be lost if the number of approved services used by the member falls below the minimum.  
A posted transaction occurs when funds are actually withdrawn from the account. Posted debit purchases may vary by merchant; therefore, we have no control over these delays. Reversed debit card purchases will not count toward the required total. Debit card transactions processed by merchants and received as ATM transactions do not count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received as POS transactions count towards qualifying debit card transactions.
2Balances over $15,000 earn a Dividend Rate of 0.25% on the portion of the balance over $15,000, resulting in an APY range of 2.50%-0.54% depending on the balance. For example, an account balance of $115,000 would earn 0.54% APY.
3Unlimited ATM fee refunds per Monthly Qualification Cycle when requirements are met. ATM receipt must be presented within sixty (60) days of the transaction for reimbursement of an individual ATM fee of $5.00 or higher.
Preferred Checking: 
4Exclusive to members with at least five (5) approved services.  
5Member must contact the Alabama Teachers Credit Union accounting department to initiate ATM fee refunds.
6Subject to Credit Union terms and conditions.
7Rates may vary depending on credit worthiness. Terms and conditions are subject to change without notice. All rates are subject to change without notice. Some restrictions may apply.
Essential Checking:
8With an Essential Account, checking may not be required.