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Free Checking

Keep it free, keep it simple.

At Addition Financial Credit Union, Free Checking means ... free checking. Manage your money without fees or balance requirements.

Features and benefits

  • Access to Savings Plus Account
  • Digital Banking with free bill pay service
  • No minimum balance requirement
  • Pay Early
  • AddsUp savings program
  • Free Presto! ATMs
  • Mobile check deposit

There are no monthly service fees associated with this account, but this account is subject to secondary fees such as non-sufficient funds and printed periodic statements. For a complete list of applicable secondary fees, please see our Fee Schedule.

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.