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:
- Free online and mobile banking
- Mobile check deposit with the A+ Mobile App
- Surcharge-free ATMs (at select ATMs)
- Instant issue Visa® EMV Chip Debit Card
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
| 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
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.
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.