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Free checking Account - woman laughs while holding food away from dog
Free Checking Account

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.

Enjoy Free Checking

The Value Checking Account is a basic free checking that has no minimum balance and no monthly fees.

Features:

Compare Checking Accounts

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 Value 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 Value Checking online through A+ Online Banking. Log in and from the menu, click Open & Apply > Open Additional Shares.

Compare Checking Accounts

Scroll to see more details
Table showing minimums, fees, and dividend rates for checking accounts
Minimum To Open Minimum To Earn Dividends Monthly Fee APY*
Value Checking $0 N/A $0 N/A
A+ Checking $0 $500 $5 0.05%
Cash-Back 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

Learn More – Cash-Back Checking

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

*APY = Annual Percentage Yield

$5 fee if balance falls below $500. Rates effective 11.21.2024 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.

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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