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Overview
Discover the Benefits of an AFFCU Checking Account:
Rates Effective as of: 02-26-2020
• High Dividend Rates*
• Access Online Banking and the GoAFFCU mobile app
• Free Box(es) 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* Value and SAF-T accounts do not qualify for dividends, courtesy pay, or free boxes of checks.
Find the checking account that’s right for you.
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:
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Rates As High As 1.08% APY*
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Three FREE Boxes of Standard Checks Per Calendar Year
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Fee-Free AFFCU Visa® Gift Cards
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:
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Courtesy Pay up to $750
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Two FREE Boxes of Standard Checks Per Calendar Year
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No AFFCU Foreign ATM Transaction Fees
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:
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Courtesy Pay up to $500
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One FREE Box of Standard Checks Per Calendar Year
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Cash Rewards
Value Checking
The perfect everyday checking account with no monthly service fee and no minimum balance required.
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Visa Debit Card (Signature and Pin-Based Transactions)
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Access to nearly 30,000 Surcharge-Free CO-OP ATMs
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Access to Shared Branch Network (After 30 Days)
SAF-T Checking
The perfect no-check checking account that safeguards against various fees.
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No monthly fee
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Free CyberMAT online banking and mobile banking app
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Access to 30,000 surcharge-free CO-OP ATMS nationwide & worldwide
Compare All Checking Accounts
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All Rates
AFFCU Checking Accounts
Rates Effective as of: 02-26-2020Account
Minimum Balance
Dividend Rates
APY*
Advantage Checking1 See footnote 0.05% 0.05% Plus Checking2 See footnote 0.05% 0.05% Elite Checking3 $0.01 – $9,999.99 0.20% 0.20% $10,000.00 – $24,999.99 0.50% 0.20% – 0.38% $25,000.00 – $49,999.99 0.65% 0.38% – 0.52% $50,000.00 – $99,999.99 0.85% 0.52% – 0.68% $100,000.00 – $249,999.99 1.05% 0.68% – 0.90% $250,000.00 – $500,000.00 1.25% 0.90% – 1.08% $500,000.01 and greater 0.00% 1.08% 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.
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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 Year 3 2 1 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 More Learn More Learn More Learn More Learn 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?