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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:

    • High Dividend Rates*

    • Access Online Banking and the GoAFFCU mobile app

    • Cash Rewards*

    • Deposit Checks from your Mobile Device

    • Free Box(es) of Checks*

    • Get Paid Early with Direct Deposit

    • Courtesy Pay*

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

    • Free eStatements

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

    • Pay Your Bills Online

    * Value and SAF-T accounts do not qualify for dividends, cash rewards, courtesy pay, or free boxes of checks.

    Find the checking account that’s right for you.

    Elite Checking               Plus Checking               Advantage Checking               Value Checking               SAF-T Account

    Elite Checking

    Our most exclusive checking account with the most premium benefits. Enjoy all of the benefits of Plus Checking, plus other premium benefits including:

     

    Learn More     Open Now

     

     

     

     

    plus, checking, account, AFFCU, credit union, cash, rewards

    Plus Checking

    The ideal checking account with some added benefits at a great overall value. Enjoy all of the benefits of Advantage Checking, plus other benefits including:

    • Courtesy Pay up to $750

    • Two FREE Boxes of Standard Checks Per Calendar Year

    • No AFFCU Foreign ATM Transaction Fees

    • Cash Rewards 

     

    Learn More     Open Now

     

    Advantage Checking

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

    • Courtesy Pay up to $500

    • One FREE Box of Standard Checks Per Calendar Year

    • Cash Rewards

     

    Learn More     Open Now

    advantage, checking, account, AFFCU, credit union, cash, rewards

     

    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.

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

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

    • Access to Shared Branch Network (After 30 Days)

     

    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: 10-26-2020

    Account

    Minimum Balance

    Dividend Rates

    APY*

    Advantage Checking1See footnote0.05%0.05%
    Plus Checking2See footnote0.05%0.05%
    Elite Checking3$0.01 – $9,999.990.10%0.10%
    $10,000.00 – $24,999.990.25%0.10% – 0.19%
    $25,000.00 – $49,999.990.35%0.19% – 0.27%
    $50,000.00 – $99,999.990.45%0.27% – 0.36%
    $100,000.00 – $249,999.990.55%0.36% – 0.47%
    $250,000.00 – $500,000.000.70%0.47% – 0.59%
    $500,000.01 and greater0.00%0.59% and less
    * APY = Annual Percentage Yield as of the effective date and subject to change at any time without notice.
    1 Advantage 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 $500 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.
    2 Plus Checking = There is a $5.00 monthly fee associated with this account. Maintaining a minimum balance in the account of $750 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 $750 and Cash Rewards – a separate enrollment is required. This account provides two standard orders of Credit Union design checks per calendar year plus when this account is accessed at an ATM that is not affiliated with our affiliated ATM Network(s) we will not charge a fee, however the owner of the machine may charge a surcharge for using their machine. Limitations: Minimum $25.00 opening balance is required.
    3 Elite Checking = There is a $6.00 monthly fee associated with this account. Maintaining a minimum balance in the account of $50,000 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 $1,000 and Cash Rewards – a separate enrollment is required. This account provides three standard orders of Credit Union design checks per calendar year. When this account is accessed at an ATM that is not affiliated with our affiliated ATM Network(s) we will not charge a fee, however the owner of the machine may charge a surcharge for using their machine. Using the automated transfer overdraft option from either an affiliated share account or line of credit will not be charged transaction fees. Purchasing VISA Gift Cards from us using this account will result in no fee being assessed for the Gift Card Purchase. Beginning May 1, 2018, this account will offer tiered high-yield dividend rates. Dividends cease to earn on balances greater than $500,000.01. Limitations: Minimum $25.00 opening balance is required.
    – Dividends are earned by balances within each balance range based on day end balances. For example if your balance at the end of a day was $30,000.00 dividends would earn the rate for that day on $9,999.99 for the dividend rate for that band; the balances of $10,000.00 through $24,999.99 would earn the rate for the balances for that band, and the balance from $25,000 through $30,000.00 would earn the rate for the band $25,000.00 to $49,999.99. As a result, the Annual Percentage Yield (APY) will vary by the balance contained in each band – which results in the APY being displayed as a range which depends on the actual balances within the bands.
  • Compare Accounts

    Elite Checking

    Plus Checking

    Advantage Checking

    Value Checking

    SAF-T Checking

    Initial Opening Deposit$25$25$25$25$25
    Monthly Service Fee$6$5$4$0$0
    Minimum Daily Balance to Avoid Monthly Service Fee$50,000$750$500$0$0
    Dividends Earned● Best APY!●●
    FREE Standard Boxes of Checks per Calendar Year321
    Cash Rewards1●●●
    Courtesy Pay2●●●
    No AFFCU Foreign ATM Transaction Fees●●
    No AFFCU Foreign ATM Inquiry Fees●●
    No Overdraft Protection Transfer Fees●
    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 (After 30 days)●●●●●
    Learn MoreLearn MoreLearn 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?

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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
      • Sounds good! Are you more interested in a lump sum or a line of credit?
        • Lump sum
          • Terrific! We offer Personal Loans for any need, including weddings, vacations, and debt consolidation.
        • Line of credit
          • Great! We think you’ll love our Redi-Credit option. It’s a flexible line of credit, where you’ll only pay interest on what you spend.
    • I’m mostly interested in a credit card
  • 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
  • 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 Elite 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.