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Share Draft Checking Account
Our account will save you money. There is no monthly service charge, no per check fee and no minimum balance requirement.

Once you have an AFCU Checking Account, you can also take advantage of our MasterMoney ATM/Debit Card. This card looks like a credit card, but works like a check. Use it to purchase gas, groceries and other items everywhere that MasterCard Debit Cards are accepted. You can also use it to get cash at ATMs.

You have access to the funds in your Checking account anytime, 24 hours a day, 7 days a week by using our audio teller, or NETBRANCH, our Online Account Access service, or at  any ATM displaying the STAR or PLUS logo.

Plus you have access to your funds 24 hours a day, 7 days a week at ATMs nationwide with no surcharge. For a complete list of  ATM locations without a surcharge click on the Alliance One Network logo or the Co-Op Network logo.


AFCU also offers a courtesy overdraft service called Courtesy Pay. This unique service adds a measure of protection to your personal share draft account. Courtesy Pay may cover your insufficient funds checks, up to your approved limit, for one low fee per covered transaction. So instead of returning a check to the merchant because of insufficient funds, AFCU may pay your check, saving you additional charges from the merchant. It also saves you the embarrassment an overdrawn check can cause and helps protect your credit rating. For more details: Courtesy Pay

Need To Reorder Checks? Click Here
Attention Checking Account Owners Ordering Printed Checks
We have recently changed the company from which we order checks. If you have not ordered checks since August 1, 2013, you will not have the ability to order checks online. The new printing company does not have your account information until an order is placed through one of our offices. Please call or stop by to place your order. After the initial order you will have online access. We apologize for any inconvenience this may cause you. We are trying to keep your printing costs as low as possible. Thank you for your patience!

Click here to review the Government's article on "Protecting Yourself From Overdraft And Bounced-Check Fees."


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