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  • New Website and Digital Banking Coming Soon

    Get ready for a whole new digital experience! Our new website and digital banking platform will be launching soon. Make sure your contact information within online and mobile banking are up to date so we can keep you up to date on the latest details.

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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 Financial Centers, 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 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: 05-24-2022


    Minimum Balance

    Dividend Rates


    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: 05-24-2022

    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 EarnedN/AN/A
    Cash Rewards1N/AN/A
    Courtesy Pay2Up to $1,000Up to $750N/A
    FREE Standard Boxes of Checks per Calendar Year1N/AN/A
    FREE Visa Debit CardPIN 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


    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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