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 $17 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 $17 million in unlimited cash back since 2010.*
You Could Win
Security is part of every purchase when you use your A+ Visa® Debit Card to shop online. Plus, from May 1 through June 30, 2023, use your A+FCU debit card to make eligible online purchases and you could win up to $15,000.
*Amount as of 4.30.2023. †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 > Submit your application.
Current Members
Open your new Cash-Back Checking online through A+ Online Banking. After you log in, click Menu > 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 |
| Money Market | $2,000 | $2,000 | $0 | 0.35%§ |
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
Money Market
Get the best of both worlds with our Money Market account – a savings and checking hybrid solution. Earn higher monthly dividends and PlusPoints when you maintain a minimum balance of $2,000.
Minimum Balance To Earn Dividends
$2,000
*APY = Annual Percentage Yield
†$5 fee if balance falls below $500. ‡Declared rate: 5.1.2023 through 5.31.2023. §Effective date: 5.23.2023 (6pm) through 5.30.2023 (5:59pm).
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. Rates subject to change without notice.
$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.
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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.