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Overview
Rewards Checking
The AFFCU Rewards Checking Account is designed for those who are looking to get a little something extra. This account has added perks at little to no cost.
Requirements
- Minimum Opening Deposit: $25
- Monthly Service Fee: $4
- $0 Monthly Service Fee with Minimum Daily Balance of $500
Standard Features Include
- FREE Visa Debit Card (Signature and Pin-Based Transactions)
- FREE Online Bill Pay
- FREE CyberMAT Online Banking
- FREE AFFCU Mobile Banking App (Android and iPhone)
- FREE MAT Telephone Banking
- FREE eStatements
- Earns Interest
- Popmoney (person to person) available
- Access to nearly 30,000 Surcharge-Free CO-OP ATMs
- Access to over 5,000 Shared Branch locations
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.
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.
Rewards Checking Benefits Include:
$0 Monthly Service Fee with Minimum
Daily Balance of $500● Dividends Earned
● Cash Rewards1
● Courtesy Pay2 up to $1,000
● One FREE Box of Standard Checks
Per Calendar Year● View All Checking Accounts
FREE Interactive Lesson
Checking Accounts
Having a checking account may be an effective tool for meeting your financial needs and tracking your budget. You will explore how to choose, open, and use your checking account.
FREE Interactive Lesson
Prepaid Cards
Many purchases require a credit or debit card. Unfortunately, not all of us have one. Prepaid cards may be a convenient alternative to these forms of payment and to cash. Learn more about prepaid cards to see if they’re right for you.
FREE Interactive Lesson
Healthy Financial Habits
Explore how to develop health savings habits so you can feel more confident about your financial well-being.
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Rates
Rates Effective as of: 09-25-2021
Account Minimum Balance Dividend Rates APY* Rewards Checking1 See footnote 0.05% 0.05% DISCLOSURES :
* 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.
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
- Awesome! We have low rates and long terms for all kinds of exciting vehicles, including Boats, RVs, and Motorcycles.
- 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.
- Sounds good! We have low rates available for both new and used
- Something adventurous
- Cool! Are you looking for a regular car, or something a little more adventurous?
- 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
- Sounds good! Be sure to check out our Platinum Credit Card. It’s one of the best deals around, and includes plentiful rewards.
- A home
- What would you like to save for?
- The holidays
- Nice! We think you’ll love our Christmas Club account.
- 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.
- Sure
- Nice! Are you okay with leaving your money untouched for a while?
- 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.
- Yes, quite a bit
- Do you have some money saved up already?
- I’d prefer just a basic savings account
- Ok! Our Regular Savings sounds just right for you. It also secures your AFFCU membership.
- The holidays
- 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
- Sounds good. You can enroll in Online Banking right here. You’ll need your social security number and AFFCU member number.
- No
- Great. To access your account, simply click “Login” in the upper right hand corner of the page.
- Yes
- Ok! Is this is your first time using Online Banking?
- On my mobile device
- Great! First make sure you’re enrolled in online banking. Then, download our free app for IOS or Android.
- Online
- Okay, how would you like to access your accounts?
- 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
- Perfect, we offer discounts on auto, home and life insurance through our partner, Trustage.
- Accessing my accounts