More money in your pockets. We invest in you!
It’s your money and we believe you deserve to keep more of it. We’re here to help put more money in your pockets – not ours. We invest in you! That’s why we changed our fees to:
- Remove returned item fees
- Reduce the courtesy pay/overdraft fee
- Allow eligible members with courtesy pay* a $100 buffer on accounts without incurring an overdraft fee.
What you get
Top-Rated Mobile App
Get quick access to balances with the mobile app and track your finances on the go.Card Controls
Gain peace of mind when you set card controls & alerts. Set transaction limits. Freeze and unfreeze your card.Early Pay
Get your paycheck and other direct deposits up to 2 days early.Simply set up direct deposit with your payer.**
Credit Tool
Maintain and watch your credit with our credit-reporting tool. Check anytime without affecting your score. It’s free and in the mobile app!Ready, Set, Earn
Get rewarded with a debit card that earns you MyPlus Rewards™ points on your everyday spending. Earn 1 point for every $4 in purchases.
Log in to the mobile banking app when you’re ready to redeem your points for travel, gift cards and more. Save your points for even bigger rewards like rate reductions on loans through Affinity Plus!
Good to know
*Overdraft/Courtesy Pay. If, on any day, the available balance in your share or deposit account is not sufficient to pay the full amount of a check, draft, transaction, or other item, plus any applicable fee, that is posted to your account, we may return the item or pay it as a courtesy for a fee. Affinity Plus’ overdraft courtesy pay program is at the sole discretion of the credit union. The credit union may refuse to provide the courtesy on any amounts at any time and from time to time. An overdraft/courtesy pay fee of $15 will be imposed for each time the credit union provides the courtesy, as set forth in our Schedule of Fees and Charges. Members,however, are allowed to go up to $100 negative without incurring a courtesy pay/overdraft fee. Our standard overdraft services under our overdraft courtesy pay program allows us to authorize payment for the following types of transactions or items: (1) share drafts (or checks) and other items made using your checking account; (2) automatic bill payments; and (3) ACH transactions. We do not offer standard overdraft services (or courtesy pay) for ATM or one-time debit card transactions. Members have 45 days to repay any negative balance in your share or deposit account.
**Your early access to direct deposits depends on the payer and when they submit their payment file. Affinity Plus usually makes these funds available the day we get the payment file, which can be 1-2 days earlier than the scheduled payment date.