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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%**

OPEN

APY=Annual Percentage Yield. Routing #314977104. Rates subject to change without notice. Fees could reduce earnings. See Fee Schedule. All checking accounts screened through ChexSystems. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA. *Declared rate: 6.1.2022 through 6.30.2022. **Effective date: 5.24.2022 (6pm) through 5.31.2022 (5:59pm).

Cash-Back Checking

Over $14.5 million paid to members in unlimited cash back.*

Thousands of members have received over $14.5 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.

Bonus: get up to $50 when you join A+FCU and open a Cash-Back Checking account with direct deposit. Learn more and get your promo code here.

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
  • 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)

OPEN

Routing #314977104. eStatements and debit card required. All checking accounts screened through ChexSystems. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA.

*Amount as of 4.30.2022.

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)

OPEN

Routing #314977104. $500 minimum balance required to earn dividends. $5 service fee if balance falls below $500. Fees could reduce earnings. See Fee Schedule. All checking accounts screened through ChexSystems. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA.

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

OPEN

Routing #314977104. $2,000 minimum balance required to earn dividends. All checking accounts screened through ChexSystems. Fees could reduce earnings. See Fee Schedule. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA.

Checking Accounts

The StartUP Share Certificate is an easy way to start saving for the future, with a low $10 minimum balance, high 5.00% APY return, and the ability to add money to the certificate at any time up to $1,000. You can also redeem your PlusPoints to increase the APY up to 0.25%.

 

Cash-Back Checking

  • Minimum to Open: $0
  • Minimum to Earn Dividends: N/A
  • Monthly Fee: $0
  • APY: N/A

 

A+ Checking

  • Minimum to Open: $0
  • Minimum to Earn Dividends: $500
  • Monthly Fee: $5 (if balance falls below $500)
  • APY: 0.05%*

 

Money Market

  • Minimum to Open: $2,000
  • Minimum to Earn Dividends: $2,000
  • Monthly Fee: $0
  • APY: 0.20%**

OPEN

APY=Annual Percentage Yield. Routing #314977104. Rates subject to change without notice. Fees could reduce earnings. See Fee Schedule. All checking accounts screened through ChexSystems. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA. *Declared rate: 6.1.2022 through 6.30.2022. **Effective date: 5.24.2022 (6pm) through 5.31.2022 (5:59pm).

Cash-Back Checking

Over $14.5 million paid to members in unlimited cash back.*

Thousands of members have received over $14.5 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 A+FCU membership savings account, so there’s no waiting.

Bonus: get up to $50 when you join A+FCU and open a Cash-Back Checking account with direct deposit. Learn more and get your promo code here.

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
  • 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)

OPEN

Routing #314977104. eStatements and debit card required. All checking accounts screened through ChexSystems. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA.
Amount as of 4.30.2022.

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)

OPEN

Routing #314977104. $500 minimum balance required to earn dividends. $5 service fee if balance falls below $500. Fees could reduce earnings. See Fee Schedule. All checking accounts screened through ChexSystems. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA.

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

OPEN

Routing #314977104. $2,000 minimum balance required to earn dividends. All checking accounts screened through ChexSystems. Fees could reduce earnings. See Fee Schedule. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA.