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Checking Accounts

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 $19.5 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:

Compare Checking Accounts

A+FCU members have earned over $19.5 million in unlimited cash back since 2010.*

*Amount as of 3.31.2024. 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. Log in and from the menu, click Open & Apply > Open Additional Shares.

Compare Checking Accounts

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Table showing minimums, fees, and dividend rates for 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

Learn More – A+ Checking

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

Learn More – Value Checking

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

Learn More – Money Market

*APY = Annual Percentage Yield

$5 fee if balance falls below $500. Rates effective 2.1.2024 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.

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Member Benefits Start Here

$75 New Member Promotion

We have rewards for you! Take advantage of our special promo and earn up to $75 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.

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Life Guidance for:

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.

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Life Guidance for:

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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Be A Member, Not A Customer

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.

Banking on each other.
Building stronger communities.®