Checking Accounts

Compare your options.
Whether it’s earning cash back or dividends, we have a checking account that fits your needs.
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 (if balance falls below $500) |
0.05%* |
Money Market | $2,000 | $2,000 | $0 | 0.20%** |
Cash-Back Checking
Over $11 million paid to members in unlimited cash back.
Thousands of members have received over $11 million in unlimited cash back since 2007, 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 savings account, so there’s no waiting.
- 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
- Cash back deposited monthly into your Membership Savings account
- Instant issue Visa® EMV Chip Debit Card
- Online and mobile banking
- Mobile check deposit with A+ Mobile app
- Surcharge-free ATMs (at select ATMs)
A+ Checking
A checking account that pays you dividends every month.
This account offers the convenience of a checking account with the benefit of getting monthly dividends based on your daily balance.
- $0 to open
- $500 minimum balance needed to earn dividends and avoid monthly fee
- Instant issue Visa® EMV Chip Debit Card
- Dividends compounded and paid monthly
- Earn PlusPoints on dividends
- Online and mobile banking
- Mobile check deposit with A+ Mobile app
- Surcharge-free ATMs (at select ATMs)
Money Market
When you invest in you, we invest in you.
A Money Market is a savings and checking hybrid. It’s the best of both worlds. With a Money Market, you’ll earn higher dividends each month along with PlusPoints.
- $2,000 to open
- No monthly fee
- Dividends compounded and paid monthly
- Earn PlusPoints on dividends
- Unlimited in-person withdrawals
- Up to 6 electronic or check transactions per month
- Mobile check deposit with A+ Mobile app