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AFFCU Elite Checking

Our Most Exclusive
Checking Account

Open Today
  • Overview

    Elite Checking

    At AFFCU, when we say ‘elite’, we mean ‘elite’. The AFFCU Elite Checking Account is our most exclusive checking account with the most premium benefits. This low-fee account is designed for those who are interested in earning high interest rates and the best benefits.

    Requirements

    • Minimum Opening Deposit: $25
    • Monthly Service Fee: $6
    • $0 Monthly Service Fee with Minimum Daily Balance of $50,000

    Standard Features Include

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    Elite Checking Benefits Include:

    Rates As High As 0.59% APY* 

    $0 Monthly Service Fee with Minimum Daily Balance of $50,000

    Cash Rewards1

    Fee-free AFFCU Visa® Gift Cards

    Three FREE Boxes of Standard Checks Per Calendar Year

    Courtesy Pay2 up to $1,000

    No AFFCU Foreign ATM Transaction Fees

    No AFFCU Foreign ATM Inquiry Fees

    No Overdraft Protection Transfer Fees

    DISCLOSURES :

    * APY = Annual Percentage Yield as of the effective date and subject to change at any time without notice. Minimum daily balance of $500,000.01 required to obtain 0.59% Annual Percentage Yield.
    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.
    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.
    • 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.

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  • Rates
    Rates Effective as of: 10-31-2020
    AccountMinimum BalanceDividend RatesAPY*
    Elite Checking1$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


    DISCLOSURES :

    * APY = Annual Percentage Yield as of the effective date and subject to change at any time without notice. Minimum daily balance of $500,000.01 required to obtain 0.59% Annual Percentage Yield.

    1 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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