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Routing Number: 263181384

Benefits Checking

Make your money work for you with a Benefits Checking account from Addition Financial Credit Union. This account works beyond your typical checking account – once you meet certain requirements, you’ll actually start to see your funds grow.

Benefits

  • Earns dividends on checking balance - Dividends earned on balance of $1,000 or more.
  • No minimum balance requirement
  • Pay Early1
  • AddsUp Savings Program2
  • 4 Foreign ATM fee rebates per month3
  • 50% off 3x5 Safe Deposit Box - Subject to availability.
  • Free box of custom checks - One box per calendar year.
  • Free coin machine access
  • Rate discount on consumer loans4 - 0.40% for Signature and vehicle loans.
  • Rate discount on new mortgage4 - 0.375% on mortgages.
  • Access to Savings Plus Account and Growth Plus Money Market
  • Free Publix Presto!® ATMs
  • Top-rated Digital Banking

Account Requirements

Waive the $15 monthly service fee by either having a cumulative direct deposit of $2,000 monthly OR by making 20 debit card transactions per month (each debit card transaction must be at least $10.00).

5Rate Information: The dividend rate and annual percentage yield may change every month. We may change the dividend rate for your account as determined by the credit union board of directors.  View current rates. Compounding and crediting - Dividends will be compounded every day. Dividends will be credited to your account every month.

Dividend period: For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31.

Minimum balance requirements: There is no minimum balance required to open this account.  However, you must maintain a minimum daily balance of $1,000.00 in your account each day to obtain the disclosed annual percentage yield. 

Other Account Requirements: To avoid a monthly fee you must have a cumulative direct deposit of $2,000.00 or 20 debit card transactions each month.  Please see the Fee Schedule for current fees that may apply to this account.

Daily balance computation method: Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits: Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

1Pay Early: With Pay Early, funds from an eligible incoming electronic direct deposit may be available for your use up to two days before the scheduled deposit date. Not all direct deposits are eligible for Pay Early. Eligible direct deposits are limited to verified regularly scheduled electronic direct deposits of your payroll, pension, and government benefit payments. Early availability of direct deposits is not guaranteed. Transaction limits and risk screening processes apply.

2ATM fee rebates: ATM fee rebates are specific to the AFCU fee for transacting at a non-Addition Financial ATM. Benefits and Student Checking eligible for a maximum of 4 foreign ATM fee rebates a month. Classic Checking eligible for a maximum of 2 foreign ATM fee rebates a month.

3AddsUp Savings Program: Enrollment in the Debit Card AddsUp Savings Program the credit union will round up your debit card purchases to the nearest whole dollar and transfer the difference to your Share Savings Account. The program is subject to change or cancellation.

4Rate Discounts: A loan discount cannot be applied to credit cards. Consumer loan rate discount applies to newly funded vehicle loan or new signature loan origination only. Rate discount terms and conditions are subject to change. The mortgage rate discount requires Premier Credit Card, and active consumer loan. Applies to new real estate loan origination only. Mortgage discount does not apply to variable rate products. Rate discount terms and conditions are subject to change. Loans are subject to credit approval. Benefits Checking eligible for a 0.40% rate discount for new consumer loans, and 0.375% rate discount on new mortgages. Classic Checking eligible for 0.25% rate discount on new consumer loans and mortgages. Student Checking eligible for 0.25% rate discount on new consumer loans.

Benefits Checking Rates

Benefits Checking

$1,000 - $9,999.99

0.05
% APY

Benefits Checking

$1,000,000 +

1.51
% APY

First Class Savings

A high-yield Savings Plus account, with a market-leading 4.00% APY3, will get you to your savings goals quicker than those "other" savings accounts at the big banks.

Learn About Savings Plus
Now boarding: First Class Savings, Savings Plus 4.00% APY

Our Checking Comes with An Amazing Digital Banking Experience

Our top-rated Digital Banking app gives you the flexibility to make managing your money easier than ever. From personal financial management tools to tracking your spending and everything in-between, you’ll be in great shape to accomplish your financial goals in no-time.

Digital Banking
Girl holding her mobile phone with the Digital Banking app

School Pride + Card Design

Show your school pride with our exclusive debit card designs! From fan-favorite styles to bold, personalized options, every card helps you make a difference. With each swipe, a percentage goes back to your school or supports the Addition Financial Foundation—because banking with us means giving back.

Card Designs

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