Explore Alaska USA Federal Credit Union’s suite of bank accounts

Features 24/7 customer support and over 55,000 free ATMs nationwide — but APYs are low.

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Alaska USA Federal Credit Union

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Alaska USA Federal Credit Union is part of the CO-OP Shared Branch and Allpoint ATM networks which offer more than 5,000 branch locations and 55,000 ATMs nationwide. It has 24/7 phone and email support, but it has a small service area and low APYs.

Am I eligible?

You’re eligible for an Alaska USA membership if you live in:

  • Alaska
  • Washington
  • San Bernardino County, California
  • Maricopa County, Arizona

What banking products does Alaska USA offer?

Why should I open an account at Alaska USA?

Alaska USA offers NCUA-insured deposits, mobile banking and other features like:

  • 24/7 customer support. Representatives are always available to chat with you through phone and email.
  • CO-OP Shared Branch Network. Bank in person at more than 5,000 shared branches nationwide.
  • Allpoint ATM Network. Use over 55,000 free ATMs nationwide through this network.
  • Bill Pay. Members can set up automatic online bill pay for up to 15 bills a month for free.
  • Discounts for teens and young adults. Those younger than 26 can open a free Relationship Checking and Share Savings account with a $5 minimum balance.

What should I look out for?

Potential drawbacks of Alaska USA include:

  • Monthly fees aren’t disclosed online. Alaska USA waives monthly fees with direct deposit or a minimum account balance, but it doesn’t disclose how much you’ll pay if you don’t meet these requirements.
  • Low APYs. APYs are higher than the national average, but they’re lower than other banks and credit unions.
  • Low ATM withdrawal limits. You can’t withdraw more than $505 daily with your ATM card.
  • In-person applications. You’ll have to visit a branch location if you’re opening up a business or first-time account.
  • Small service area. Alaska USA services Alaska, Arizona, California and Washington.

Compare with leading bank accounts

Name Product APY ATMs Fee
BBVA Online Checking
No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
$0
Bank with BBVA and you could earn a total offer value of $250. Offer valid: 2/1/20 - 2/28/20.
M&T Bank EZChoice Checking
Over 1,500 M&T Bank ATMs
$0
Get $150 if you open an EZChoice M&T checking account by March 2, 2020, and make qualifying direct deposits totaling at least $500 within 90 days of account opening.
M&T Bank MyChoice Premium Checking
0.05% on balances of $100,000+
0.03% on balances of $50,000 to $99,999.99
0.01% on balances of $1 to $49,999.99
Over 1,500 free M&T Bank ATMs and up to $2 rebates when using all other ATMs
$24.95/month
(can be waived)
Get up to $250 if you open a MyChoice Premium M&T checking account by March 2, 2020, and make qualifying direct deposits totaling at least $500 within 90 days of account opening.
Chase Sapphire Checking
0.01%
Free to use anywhere worldwide
$25/month
(can be waived)
Get a $1000 welcome bonus when you join Sapphire Banking by March 06, 2020. Within 45 days of joining, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts (excludes any J.P. Morgan retirement accounts and CDs), and maintain the balance for at least 90 days.
Axos Bank Rewards Checking
1.25% on balances of $0+ with $1,000+ in direct deposits, 10 $3+ debit card transactions and 5 additional account transactions per month
ATM fees reimbursed at any ATM nationwide
$0
Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.
Axos Bank Essential Checking
ATM fees reimbursed at any ATM nationwide
$0
No fees. Unlimited domestic ATM fee reimbursements.
HSBC Advance Checking
0.01% on balances of $5+
Surcharge-free HSBC ATMs nationally and internationally, plus up to four rebates a month for using non-HSBC ATMs in all US states except New York
$25/month
(can be waived)
Earn 2% cash back on qualifying direct deposits (up to $30 per month and $350 total during the first 12 months) with a new HSBC Advance Checking account. Offer ends March 29, 2020. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
TD Beyond Checking
0.05% on balances of $50,000+
0.03% on balances of $10,000 to $49,999.99
0.01% on balances of $0.01 to $9,999.99
1,900 ATMs across the country and Canada
$25/month
(can be waived)
A checking account that offers interest plus three ways to waive the monthly fee, two overdraft paybacks a year and no ATM fees with a $2,500 balance.

Compare up to 4 providers

Alaska USA customer service

There are several ways to get in touch with Alaska USA’s customer service:

  • Call 907-563-4567 or 800-525-9094 at any time
  • Email memberservice@alaskausa.org
  • Visit a branch location
  • Mail questions to:
      PO Box 196613
      Anchorage, AK 99519-6613

Bottom line

Alaska USA offers a comprehensive suite of consumer and business banking products and extensive customer support. But you must live in one of four states to open an account and it’s not clear how much you’ll pay in monthly fees if you don’t meet certain requirements.

As always, compare accounts with other financial institutions until you find one that fits your needs.

Frequently asked questions

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