No matter where you are in life and what your goals are, we're ready for you to count us in as your financial partner. We offer a diverse portfolio of checking accounts for different situations and lifestyles. So, whether you're all about keeping things simple and free, or you're looking for a checking account that pays dividends, we offer options to meet every need.
We understand that each member has a unique set of banking needs. That is why we created a portfolio of checking accounts with different features and requirements – because not every checking account is a one-size-fits-all.
| Features & Benefits | Benefits Checking | Classic Checking | Free Checking | Student Checking | Opportunity Checking | HSA Checking |
|---|---|---|---|---|---|---|
| No minimum balance requirement | ||||||
| No monthly service fee | ||||||
| Pay Early with direct deposit¹ | ||||||
| Top-rated Digital Banking | ||||||
| Free Publix Presto!® ATMs | ||||||
| ATM fee rebates per month² | ||||||
| AddsUp Savings Program³ | ||||||
| Access to high yield savings accounts | ||||||
| Rate discount on new consumer loans⁴ | ||||||
| Rate discount on new mortgage loans⁴ | ||||||
| Earn dividends on checking balance⁵ |
| Benefits | Classic | Free | Student | Opportunity | HSA |
| $15; waived with 20 debit card transactions per month OR have a cumulative direct deposit of $2,000 | $5; waived with 10 debit card transactions per month OR have a cumulative direct deposit of $1,000 | No fee | No fee | No fee | No fee |
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. Rebates do not cover ATM fees charged by other financial institutions or ATM owners. Benefits and Student Checking are eligible for a maximum of 4 foreign ATM fee rebates a month. Classic Checking is 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.
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.
Minimum balance requirements: The minimum required to open this account is the purchase of a share in this credit union. To avoid a monthly fee you must have $1,000 direct deposit(s) or 10 debit card transactions each month. Each debit card transaction must be at least $10.00.
Other Account Requirements: To avoid a monthly fee you must have a cumulative direct deposit of $1,000.00 or 10 debit card transactions each month. Please see the Fee Schedule for current fees that may apply to this account.
There are no monthly service fees associated with this account, but this account is subject to secondary fees such as non-sufficient funds and mailed periodic statements. For a complete list of applicable secondary fees, please see our Fee Schedule.
Special Offer
Enhance your banking with a Benefits or Classic Checking account!We believe a checking account should be more than just a place to hold your money, which is why our Benefits and Classic Checking accounts come loaded with perks that truly pay off. And for a limited time, you can get up to $100* for opening one.
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.
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.
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