Cash-Back Checking
This free checking account is our most popular and great for everyone. You can earn unlimited cash back on your debit card purchases.
Earn Unlimited Cash Back
Thousands of members have received over $22.4 million in unlimited cash back since 2010, just by using their A+FCU Cash-Back Checking debit card on everyday purchases.*
Want to join them? There’s no monthly fee† and costs $0 to open – plus, your earnings will be deposited monthly to your A+FCU Membership Savings Account, so there’s no waiting.
Features:
- Earn 10¢ and 10 PlusPoints for signature-based purchases with your A+FCU debit card or linked Mobile Wallet
- Earn 5¢ and 5 PlusPoints for PIN-based purchases with your A+FCU debit card
- Free online and mobile banking
- Cash back deposited monthly into your Membership Savings Account
- Mobile check deposit with the A+ Mobile App
- Surcharge-free ATMs (at select ATMs)
- Instant issue Visa® EMV Chip Debit Card
A+FCU members have earned over $22.4 million in unlimited cash back since 2010.*
*Amount as of 4.30.2025. †eStatements and debit card required.
Membership required. Insured by NCUA. All checking accounts screened through ChexSystems. Conditions and restrictions may apply. Subject to change without notice.
Not A Member?
Open your Cash-Back Checking online in minutes. Click the button below to join A+FCU through our easy online application > Select the checking account you want to open > Apply Now > Submit your application.
Current Members
Open your new Cash-Back Checking online through A+ Online Banking. Log in and from the menu, click Open & Apply > Open Additional Shares.
Compare Checking Accounts
| Minimum To Open | Minimum To Earn Dividends | Monthly Fee | APY* | |
|---|---|---|---|---|
| Cash-Back Checking | $0 | N/A | $0 | N/A |
| A+ Checking | $0 | $500 | $5† | 0.05%‡ |
| Value Checking | $0 | N/A | $0 | N/A |
Cash-Back Checking
This free checking account is our most popular and great for everyone. You can earn unlimited cash back on your debit card purchases.
Monthly Fees
None
A+ Checking
This checking account pays you dividends each month you maintain a minimum $500 balance. Put your money to work for you without having to lock it up for months or years.
Minimum Balance To Earn Dividends
$500
Value Checking
This free checking account is great for first-time banking members with basic needs. Get started without worrying about minimum balances or monthly fees.
Monthly Fees
None
*APY = Annual Percentage Yield
†$5 fee if balance falls below $500. ‡Rates effective 2.18.2025 and are subject to change without notice.
Membership required. Insured by NCUA. All checking accounts screened through ChexSystems. Conditions and restrictions may apply. Subject to change without notice. Fees could reduce earnings. See Fee Schedule.
$50 New Member Promotion
We have rewards for you! Take advantage of our special promo and earn up to $50 when you join A+FCU.
Rates & Resources
To keep you from having to do all the math, we’ve provided rates & calculators for all kinds of situations.
Budgeting
Ready to take control of your finances? See what steps to follow to develop a spending and saving plan and follow through on it.
Family & Finances
As your family grows or changes, you’ll need to reimagine your finances. No matter what stage of life you’re in – getting married, having a baby, or raising money-smart kids – we’ve got you covered.
Related Articles
What To Do After Identity Theft: A Checklist
Wondering what to do after identity theft? If your personal information has been stolen, use this checklist to take quick action and make the recovery process smoother.
How Long Should I Keep My Bank Statements and Financial Documents?
Determining whether to keep or shred bank statements and financial documents can be confusing – use our simple guide to get started.
Tidy Up, Cash In: Spring Clean Your Way To Extra Green
Discover a few ways you can earn a little extra cash just by cleaning and maintaining your home!
Join The A+FCU Family
Joining is easy and comes not only with a wide variety of money-saving products tailored to fit your needs, but also exclusive member-only benefits.