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You Deserve the Best

Make your day-to-day banking quick and easy

Open an Account
  • Overview

    Discover the Benefits of an AFFCU Checking Account:

    • Cash Rewards*

    • Access Online Banking and the GoAFFCU mobile app

    • Free Box of Checks*

    • Deposit Checks from your Mobile Device

    • Courtesy Pay*

    • Get Paid Early with Direct Deposit

    • Free eStatements

    • Access to all AFFCU branches, over 5,000 Shared
    Branch locations, and nearly 30,000 CO-OP ATMs

    • Pay Your Bills Online

    • Be instantly rewarded with access to the AFFCU
    membership rewards program

    * SAF-T account does not qualify for dividends, cash rewards, courtesy pay, or free boxes of checks.

    Find the checking account that’s right for you.

    Rewards Checking                        Value Checking               SAF-T Account

    Rewards Checking

    The checking account with great perks for little to no cost.  Enjoy all of the benefits of Value Checking, plus other benefits including:

    • Cash Rewards

    • Courtesy Pay up to $1,000

    • One FREE Box of Standard Checks Per Calendar Year

    Learn More     Open Now

    couple reading bank statement

     

    Value, checking, account, AFFCU, credit union, CO-OP ATM, Shared Branch

    Value Checking

    The perfect everyday checking account with no monthly service fee and no minimum balance required.

    • Courtesy Pay up to $750

    • Visa Debit Card (Signature and Pin-Based Transactions)

    • Access to nearly 30,000 Surcharge-Free CO-OP ATMs

    • Access to Shared Branch Network

    Learn More     Open Now

    SAF-T Checking

    The perfect no-check checking account that safeguards against various fees.

    • No monthly fee

    • Free CyberMAT online banking and mobile banking app

    • Access to 30,000 surcharge-free CO-OP ATMS nationwide & worldwide

    Learn More     Open Now

    checking, account, AFFCU, credit union, free, online, banking

    Compare All Checking Accounts

    Compare Checking Accounts

  • All Rates

    AFFCU Checking Accounts

    Rates Effective as of: 10-28-2021

    Account

    Minimum Balance

    Dividend Rates

    APY*

    Rewards Checking1See footnote0.05%0.05%
    * APY = Annual Percentage Yield as of the effective date and subject to change at any time without notice.
    1 Rewards Checking = There is a $4.00 monthly fee associated with this account. Maintaining a minimum balance in the account of $500 during the calendar month will result in the monthly fee being waived. This account provides access to Courtesy Pay Overdraft Protection, subject to qualification with a maximum tolerance of $1000 and Cash Rewards – a separate enrollment is required. This account provides one standard order of Credit Union design checks per calendar year. Limitations: Minimum $25.00 opening balance is required.
  • Compare Accounts
    Rates Effective as of: 10-28-2021

    Rewards Checking

    Value Checking

    SAF-T Checking

    Initial Opening Deposit$25$25$25
    Monthly Service Fee$4$0$0
    Minimum Daily Balance to Avoid Monthly Service Fee$500$0$0
    Dividends Earned●N/AN/A
    Cash Rewards1●N/AN/A
    Courtesy Pay2Up to $1,000Up to $750N/A
    FREE Standard Boxes of Checks per Calendar Year1N/AN/A
    FREE Visa Debit Card●●PIN only3
    FREE Online Bill Pay●●●
    FREE Online Banking and Mobile App●●●
    FREE eStatements●●●
    Access to nearly 30,000 Surcharge-Free CO-OP ATMs3●●●
    Access to over 5,000 Shared Branch locations●●●
    Learn MoreLearn MoreLearn More

    DISCLOSURES :

    1 Transactions that qualify for Cash Rewards will receive 12 cents cash back for every signature-based transaction made with a debit card that is five dollars or more. Not all checking accounts are eligible for Cash Rewards. The credit union reserves the right to determine if transactions processed under the Cash Rewards program are usual and customary. For transactions that are not usual and customary, they are 1) not eligible for the rewards payment and 2) may result in a loss of debit card privileges and any accrued rewards cash. Enrollment required for Cash Rewards program.
    2 Courtesy Pay is not a guarantee and must be qualified for. It is not available for all checking account and limits and fees will apply.
    3SAF-T account is limited to PIN-based transactions only, no credit transactions. Member will be responsible for out-of-network and foreign ATM fees.

    Ready to Open Your New Checking Account?

    Get Started!

How can we help you succeed?

  • What would you like to borrow for?
    • A home
      • Sounds great. We offer Mortgage Loans at great prices, as well as refinancing options.
    • A vehicle
      • Cool! Are you looking for a regular car, or something a little more adventurous?
        • Something adventurous
        • A regular car is fine with me
          • Sounds good! We have low rates available for both new and used
            Auto Loans. We can also Refinance your current loan with another institution.
    • An education
      • Right on! We have Student Loans available through our trusted partner, Sallie Mae.
    • Something else
      • Terrific! We offer Personal Loans for any need, including weddings, vacations, and debt consolidation.
    • I’m mostly interested in a credit card
  • What would you like to save for?
    • The holidays
    • I’d like to open a savings account for my child
      • Great idea! We have several Youth Savings accounts available, depending on your child’s age.
    • Something else – and I’d like to earn a good interest rate
      • Do you have some money saved up already?
        • Yes, quite a bit
          • Nice! Are you okay with leaving your money untouched for a while?
            • Sure
              • Great! We think you might like one of our Share Certificates. You agree to leave your money untouched for a while in exchange for a higher interest rate.
            • I’d prefer to make withdrawals when I need to.
              • Sounds good. Check out our Rewards Checking account or Money Market account. These accounts are a little more flexible, but still get you a higher rate.
        • Not much
          • No worries. Once you open a Regular Savings account, you can open secondary accounts for whatever you need, including college, rainy day funds and more.
    • I’d prefer just a basic savings account
      • Ok! Our Regular Savings sounds just right for you. It also secures your AFFCU membership.
  • What would you like help with?
    • Accessing my accounts
      • Okay, how would you like to access your accounts?
        • Online
          • Ok! Is this is your first time using Online Banking?
            • Yes
            • No
              • Great. To access your account, simply click “Login” in the upper right hand corner of the page.
        • On my mobile device
    • Opening a checking account
      • Great! We have several options available, so head over to our Compare Checking Accounts page to figure out which is right for you.
    • Signing up for eStatements
      • Cool! If you are already signed up for and using our online banking service, all you need to do is click on the eStatements tab (in the blue menu bar) to start enrolling.
    • Running my small business
      • Good for you! Our partner Newtek offers a variety of services to help you manage your small business, including payrolls services, payment processing, and web design.
    • Getting insurance