The biggest difference in checking accounts is in the institution that offers it.

It is no secret to say that most checking accounts are kind of the same. They are one of the primary tools for managing your finances. What makes a checking account different, though, is who offers it. How easy do they make it? How much do they charge you for it? What limitations do they put on it?

Our checking account is free. The online banking app (Home Branch) is free. The mobile app is free. There are no minimum balances and you even get a free debit card.

Alabama Rural Electric Credit Union Free Checking

Enjoy totally free checking with free online account management, a mobile app, no minimum balance and an instant-issue debit card that gives you immediate purchasing power.

  • $25 minimum deposit to open
  • No minimum balance requirements
  • Overdraft options available
  • Home Branch (Online Banking) - new Home Branch coming with MERGE WEEK!
  • e-ONE Mobile App (Mobile Banking) - new app coming with MERGE WEEK!
  • Online Bill Payment
  • e-Statements
  • Telephone account access
  • Debit card w/ unlimited swipes
  • Free ATM withdrawals from all Alabama ONE ATMs
  • Paper checks avialable
  • Unlimited check writting

Apply Now!


Jumpstart Checking

Need to jumpstart or rebuild a good credit history? Jumpstart Checking has all the benefits you want — an instant-issue debit card, online account management and an easy mobile app. And after 12 months of good account management, you’ll be eligible to upgrade to traditional free checking.

*Ages 19 or older. Member may request upgrade to traditional checking account with no monthly fee after 12 consecutive months of no NSFs and all closures with other financial institutions paid. Non-negotiable debit card limit of $250 per day on ATM withdrawals and/or other purchases. Account not eligible for overdraft protection and no dividends accrue. Direct deposit required. Terms subject to change without notice.

  • $25 minimum deposit to open
  • Account fee of $10 per month
  • Eligible to request account upgrade after 12 months
  • Direct deposit required
  • No paper checks
  • Online Banking
  • e-ONE Mobile App
  • Online Bill Payment
  • e-Statements
  • Telephone account access
  • Debit card
  • Free ATM withdrawals from Alabama ONE ATMs

Apply Now!


Debit Cards

They look just like credit cards but when you use them, the amount of your purchase or ATM withdrawal comes directly from your checking account. They’re basically like checks only way, way more convenient. You can also set up alerts to get the heads-up about certain purchases, set spending limits on your cards, and more.

So debit cards are good, but ARECU debit cards are even better because you can choose from a variety of designs and print them out in minutes at your local branch. Plus, they’re free with all of our checking accounts.

You can customize and print your Alabama Rural Electric Credit Union debit card in branch!

Swipe to Support

These instant-issue debit cards print in minutes with a unique personality and immediate purchasing power. Get yours today for only $15 with your ARECU checking account and 100% of the proceeds will benefit the selected school or organization.


To report a lost or stolen ATM or DEBIT CARD, please call 1-866-209-7037.

Deposit Insurance

As an Alabama ONE member, you can rest assured that your deposits are safe and sound, as each account is insured for up to $250,000 through the National Credit Union Administration (NCUA). It’s the deposit insurance you want, so you can have the peace of mind you need.