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Overview
SAF-T Checking
The AFFCU SAF-T Checking Account is the perfect no-check checking account that safeguards against various fees and can help rebuild your banking history. This account is designed for those who have had challenges maintaining a checking account.
Requirements
- Minimum Opening Deposit: $25
- Monthly Service Fee: $0 (no minimum daily balance required)
Standard Features Include
- FREE Visa Debit Card (SAF-T Account is limited to PIN-based transactions only)
- FREE Online Bill Pay
- FREE CyberMAT Online Banking
- FREE AFFCU Mobile Banking App (Android and iPhone)
- FREE MAT Telephone Banking
- FREE eStatements
- Popmoney (person to person) available
- Access to nearly 30,000 Surcharge-Free CO-OP ATMs4
- Access to over 5,000 Shared Branch locations
DISCLOSURES:
1 eStatements are a requirement to keep the SAF-T account open. Other service fees may apply
2 Courtesy pay is not offered.
3 PIN-based transactions only, no credit transactions.
4 Member will be responsible for out-of-network and foreign ATM fees.
SAF-T Checking Benefits Include:
$0 Monthly Service Fee
● Auto Sign Up for eStatements1
● No Statement Fees1
● No Courtesy Pay Fees2
● No NSF Fees
● No Overdraft Protection Fees
● No Dormant Account Fees
● No Bad Address Fees
● Debit Only Transactions3
● SAF-T Checking Benefits Do NOT Include:
Cash Rewards
X
Courtesy Pay
X
Dividends Earned
X
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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
Debt Management
Whatever the debt may be, understanding how it works, knowing where to go for help, and making a plan are the keys to help you better manage your debt.
FREE Interactive Lesson
Healthy Financial Habits
Explore how to develop health savings habits so you can feel more confident about your financial well-being.
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
- 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.
- Lump sum
- Sounds good! Are you more interested in a lump sum or a line of credit?
- 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 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 iPhone 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
- 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 Elite 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