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Routing Number: 263181384

Personal Checking Accounts

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.

How Do Our Checking Accounts Compare?

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.

Benefits Checking

This account works beyond your typical checking account – once you meet certain requirements, you’ll actually start to see your funds grow.

  • Earn dividends on balances of $1,000 or more
  • No monthly service fee with 20 debit card transactions per month OR have a cumulative direct deposit of $2,000; otherwise, $15 monthly service fee⁴
  • Rate discount on consumer loans - 0.40% for Signature and vehicle loans⁴
  • Rate discount on new mortgage - 0.375%⁴
  • 4 Foreign ATM fee rebates³

Classic Checking

Because everyone loves a good classic

  • No monthly service fee with 10 debit card transactions per month OR have a cumulative direct deposit of $1,000; otherwise, $5 monthly service fee⁴
  • Rate discount on consumer loans - 0.25% for Signature and vehicle loans⁴
  • Rate discount on new mortgage - 0.25%⁴
  • 2 Foreign ATM fee rebates³

Free Checking

Bank easier with Free Checking

  • No monthly service fee
  • No minimum balance requirement
  • Access to Savings Plus Account
  • Free Publix Presto!® ATMs
  • Pay Early¹
  • AddsUp Savings Program²

Student Checking

Focus on your studies, not on hidden fees

  • No monthly service fee
  • 4 Foreign ATM fee rebates³
  • Rate discount on consumer loans - 0.25% for Signature and vehicle loans⁴
  • Access to Savings Plus Account
  • Free coin machine access

Opportunity Checking

The checking account that opens doors

  • No monthly service fee
  • Access to Savings Plus Account
  • Free Publix Presto!® ATMs
  • Pay Early¹
  • AddsUp Savings Program²
  • Top-rated Digital Banking
Features & Benefits Benefits Checking Classic Checking Student Checking Opportunity Checking Free Checking
Pay Early¹
Rate discount on new mortgage - 0.375%⁴
AddsUp Savings Program²
Free Publix Presto!® ATMs
No monthly service fee with 10 debit card transactions per month OR have a cumulative direct deposit of $1,000; otherwise, $5 monthly service fee⁴
No monthly service fee
No monthly service fee with 20 debit card transactions per month OR have a cumulative direct deposit of $2,000; otherwise, $15 monthly service fee⁴
2 Foreign ATM fee rebates³
Free box of custom checks
4 Foreign ATM fee rebates³
Rate discount on consumer loans - 0.25% for Signature and vehicle loans⁴
50% off 3x5 Safe Deposit Box
Access to Savings Plus Account
Top-rated Digital Banking
Free coin machine access
Earn dividends on balances of $1,000 or more
No minimum balance requirement
Rate discount on new mortgage - 0.25%⁴
Rate discount on consumer loans - 0.40% for Signature and vehicle loans⁴

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.

2AddsUp 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.

3ATM fee rebates: ATM fee rebates is specific to the AFCU fee for transacting at a non-Addition Financial ATM.

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.

Rate 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 minimum amount of direct deposit(s) or 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 minimum amount of direct deposit(s) or 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.

High-Yield Savings Accounts

The Savings Plus Account is available for anyone with a checking account. It earns a higher dividend rate than our regular Savings account and it provides the flexibility to earn a great dividend rate and annual percentage yield without locking up your funds. And when you take advantage of either our Benefits or Classic checking account, you get access to our Growth Plus Money Market account, that lets you balance the desire to grow your money with the ability to access your money when you need it. It’s a best of both worlds option for Addition Financial members.

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 purchase, 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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