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Classic Checking

Setting the standard with Classic Checking.

Our Classic Checking account is one of our go-to checking account offerings with the fundamental features our membership has come to know and love – because why mess with a good thing?

Features and benefits

  1. 1
    No minimum balance requirement
  2. 2
    Pay Early
  3. 3
    Rate discount on consumer loans*

    0.25% for Signature and vehicle loans.

  4. 4
    Rate discount on new mortgage*

    0.25% on mortgages.

  5. 5
    Free Presto! ATMs
  1. 1
    AddsUp Savings Program
  2. 2
    Digital Banking with free bill pay service
  3. 3
    Mobile check deposit
  4. 4
    2 foreign ATM fee rebates per month

Account Requirements

  • Have a cumulative direct deposit of $1,000
  • Make 10 debit card transactions per month

    Each debit card transaction must be at least $10.00.


*A loan discount cannot be applied to credit cards or PLOC. 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.

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.

Transaction limitations:
No transaction limitations apply to this account. ATM – Two refunded monthly foreign ATM fees. The program is subject to change or cancellation. Rate Discount - Rate discount applies to new vehicle loan, new signature loan, and new mortgage loan origination only. Premier credit card with auto loan, signature loans, or real estate loans are qualifying loans for a loan discount. A loan discount cannot be applied to credit cards.

Pay 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.

AddsUp 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.

ATM fee rebates: ATM fee rebates is specific to the AFCU fee for transacting at a non-Addition Financial ATM.

Bill Pay: Free online banking Bill Pay. For each bill paid over the phone $8 fee for an assisted transfer with a credit union team member. No fee applied for setting up recurring bill payments.