Open a checking account and reward yourself!

Our checking accounts are Always Free, plus you earn monthly Cash Rewards through everyday banking activities. You've got nothing to lose and plenty to gain.

DON’T JUST TAKE OUR WORD FOR IT

I love Atlantic Financial Federal Credit Union. Always willing to help and resolve problems. Always there for me!!. I strongly recommend this branch. They are like family with the best of the best service! This is why I send my family members there also.

Carolyn Robinson

Evangalyn Bullock

They are truly helpful in regards any complications I may have been faced with. Everyone that I have spoken to has been very friendly.  Joining this Credit Union has been 1 of the best decisions I have made!

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Open a Kasasa Checking Account

Enroll in E-Statements

Set up direct deposit of at least $500/mo

What you have to look forward to

Promo Ends June 30, 2019

We give you more for free plus real cash rewards!

Earn Monthly Cash Rewards

Free Online & Mobile Banking

Free Online Bill Pay

Free Mobile Deposits

Free Visa Debit Card Transactions

Free E-Statements

FREE Checking Still Exists At AFFCU!

It's not a unicorn. To us, free checking is simply common sense. We believe you shouldn't pay to secure and manage your money in an account. 

A more rewarding checking account awaits you at AFFCU. One that's simple, free, and delivers real cash rewards every month.

Kasasa Cash®

Best Fit For

Members who maintain a monthly balance over $5,000

Account Rewards

25x the national average APY**

2.50% APY on balances up to $10,000*

0.45% APY on balances over $10,000* 

0.05% APY if qualifications aren't met*

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2.50% cash back on debit card purchases up to $300 per month*

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Kasasa Cash Back®

Best Fit For

Members who don’t maintain a high balance, but regularly use debit card

Account Rewards

Most Popular

Life is full of tough choices, but choosing a checking account just got a little easier. Each of our accounts comes with no penalties, no monthly service fee, and no minimum deposit to open. 

Kasasa Tunes®

Best Fit For

Members who are regular digital downloaders in iTunes and Amazon

Account Rewards

Earn up to $10 in monthly rebates on your iTunes and Amazon.com downloads and transactions*

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Who Can Apply?

NON-MEMBERS

Open An Account Today

Simply fill out our online inquiry form to get started. All you need to do is complete the online form and we'll contact you shortly!

CURRENT MEMBERS

Get more out of your AFFCU relationship and start rewarding yourself for your everyday banking activities. Open a Free Kasasa Checking Account today.

Find a better way of banking with AFFCU. See how you are eligible to join and open a Free Kasasa Checking and get a more rewarding financial relationship.

Use promo code: Checking200

Earn Monthly Cash Rewards

Free Online & Mobile Banking

Free Online Bill Pay

Free Mobile Deposits

Free Visa Debt Card Transactions

Free E-Statements

*APY = Annual Percentage Yield and is accurate as of 03/29/2019. Rates and rewards are variable and may change after account is opened. 1 Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions; transfers between accounts; debit card purchases processed by merchants and received by Atlantic Financial Federal Credit Union as ATM, PIN-based, or Bill Payment transactions; signature based transactions and purchases made with non-Atlantic Financial Federal Credit Union issued debit cards. “Monthly Qualification Cycle” means a period beginning on the last business day of the previous calendar month through one day prior to the last business day of the current calendar month. 2 Kasasa Cash Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, Balances up to $10,000 receive APY of 2.50%; and balances over $10,000 earn 0.25% interest rate on the portion of balance over $10,000, resulting in a range from 0.45% to 2.50% APY depending on the account’s balance . When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY. Dividends will be credited to your Kasasa Cash account on the last day of statement cycle. APY = Annual Percentage Yield. Fees may reduce earnings. Rates and rewards are variable and may change after account is opened. 3 Kasasa Cash Back Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 2.50% cash back on up to a total of $300.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back may be earned per Monthly Qualification Cycle. When Kasasa Cash Back qualifications are not met, no cash back payments are made. Cash back payments will be credited to your Kasasa Cash Back account on the last day of statement cycle. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. 4 Kasasa Tunes Reward Information: When Kasasa Tunes qualifications are met during a Monthly Qualification Cycle: you will earn up to an aggregate total of $10 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com, Google Play purchases must be made with your Atlantic Financial Federal Credit Union Kasasa Tunes debit card and must post and settle to your account no more than 30 days after the Monthly Qualification Cycle in which you qualified ends. When Kasasa Tunes qualifications are not met, iTunes, Amazon.com, Google Play purchases are not refunded. iTunes, Amazon.com, Google Play refunds will be credited to your account on the last day of the statement cycle in which these purchases post and settle to your account. Kasasa Tunes Sign Up Bonus: When you open and fund your Kasasa Tunes account, you will be refunded up to an aggregate total of $20 (which includes any applicable taxes) for iTunes, Amazon.com, Google Play purchases, made with your Atlantic Financial Federal Credit Union Kasasa Tunes debit card that post and settle to your account during the first 60 calendar days after your account is opened. This refund will be credited to your account on the last day of the Statement Cycle in which your aggregate iTunes, Amazon.com, Google Play purchase threshold of $20 posts and settles to your account. Any portion of the Sign Up Bonus that is not used within the stated time period will be forfeited. No minimum deposit is required to open the account. No minimum balance is required to obtained this bonus. 5 ATM Fee Reimbursement Information: When the Kasasa Checking qualifications are met during a Monthly Qualification you will receive reimbursements up to $20 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. When Kasasa Checking qualifications are not met, ATM fees are not refunded. ATM fee reimbursements will be credited to your Kasasa Checking account on the last day of statement cycle. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly enrollment in online banking and receipt of electronic statements are conditions of this accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact an Atlantic Financial Federal Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. iTunes is a registered trademark of Apple, Inc. Amazon is a registered trademark of Amazon. com. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com and Google, Inc. are not participants in or sponsors of this program. Kasasa & Kasasa Tunes are trademarks of BancVue, Ltd., registered in the U.S.A.

**25x the Nation average APY Comparison based on Atlantic Financial Federal Credit Union 2.5% APY as of 03/29/2019 vs. the bank national average savings rate as of 2018-05-01 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.

 1AFFCU New Checking $200 Incentive Offer Terms and Conditions: You must be at least 18 years of age and meet membership eligibility requirements. This offer is valid on new personal Kasasa checking accounts opened on or before June 30, 2019. Members who currently have or who previously held an Atlantic Financial Federal Credit Union checking account within the last 365 days from the account opening date are not eligible for this offer. Eligible members who take advantage of this offer cannot receive any other New Member or New Deposit/Account Offers provided by Atlantic Financial Federal Credit Union. AFFCU reserves the right to change or terminate this offer at its sole discretion at any time without notice. All qualifying activities must be completed within the stated time frames in order to be eligible for the New Checking Incentive. AFFCU will credit one cash bonus in the amount of $200 to the eligible Kasasa checking account if the account receives a total of at least $500 in qualifying direct deposits within a 30-day period and the account is enrolled in e-statements. Both qualifying criteria must be completed within 60 days of account opening. Qualifying direct deposits include, but are not limited to, recurring electronic deposits such as payroll, pension or Social Security. Person-to-person, bank transfers or other electronic money transfers such as those made through internet payment services do not qualify.

Bonus will be credited to the account within 30 days once all eligibility requirements are satisfied. Your AFFCU Kasasa checking account must be open and in good standing at time of bonus fulfillment. Limit one new checking incentive per member, including all individual and joint accounts — the primary account holder on the account is considered the eligible member for gift purposes. The new checking incentive will be posted to your AFFCU Kasasa checking account as a dividend and reported on the applicable IRS form. No more than one bonus will be awarded regardless of the number of accounts, titling on account, or the number of direct deposit arrangements established. 

 

$0

Monthly Service Fee

$0

Minimum Deposit

$0

Minimum Balance to Earn Rewards

Also enjoy up to $20 in ATM refunds per month*

Special Limited-Time Offer

Earn $2001

Open An Account Today