Checking and Spending.
Have It All.

Get email or text alerts about your balance. Use 60,000+ ATMs nationwide with your smart-chip debit card. Access your account 24/7 with our top-rated mobile app. It’s all included with your Affinity Plus checking account.

Kelly, an Affinity Plus member, on an orange background
Kelly, Affinity Plus Member

What you Get

Digital Banking

Deposit checks from anywhere with the top-rated mobile app.

Account Security

Debit cards have EMV chips for extra fraud protection.

Card controls let you set alerts and limits from digital banking.

Easy Cash Access

Find nearby, no-fee ATMs1 from the mobile app's login screen.

That's 60,000+ nationwide (MoneyPass, SUM and CO-OP).

Early Pay

Get your paycheck and other direct deposits up to 2 days early at Affinity Plus.

All you need to do is set up direct deposit with your payer.2

MyPlus Rewards™

Debit purchases earn MyPlus Rewards points (applies to both accounts).

Easily redeem them from the mobile app or online banking.

Choose an Account to fit your needs

Better Than Free Checking

Don’t want to worry about a minimum balance? Get the features you expect without requirements.

  • No minimum balance 
  • No monthly fees

Spending Account

Get control over your money with an account that protects you from overdrafting.

  • No overdraft fees
  • Checkless Account

To open a Spending Account, make a Video Banking appointment or visit us at a branch.

Interest Reward Checking

More ta-das, less to-dos. Earn dividends on your money while retaining flexibility.

  • $200 minimum balance to earn dividends and avoid fees
  • Free checks (up to 4 boxes per year)3

Getting Started is Easy

Not a member yet?

Membership is required for loans and accounts with us. But you can apply for most types and become a member at the same time.

Already a member?

Open additional accounts in the mobile banking app, from the More screen. Or log in to online banking, then click “Apply” in the upper-right.


Note: Spending Accounts must be opened through video banking or in person.

We're here to help.

From video calls and chat to secure messaging, there are all kinds of ways to contact us.

Stash Your Cash

Set your account to automatically round up your debit card purchases to the next dollar. The spare change goes right to your savings account, just like that.

Josh, a Minnesota resident, on a green background.
Josh, Minnesota resident

Good to Know

  1. There's no surcharge fee when you use your Affinity Plus debit card at an Affinity Plus ATM or at an ATM within our network (MoneyPass, CO-OP and SUM). Transactions made outside of our network may be subject to third-party fee.
  2. 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.
  3. Free checks are limited to 4 boxes per year, and only for the style identified as "Affinity Plus Duplicate Custom" (valued at $17.00 per box).

Important Information & Disclosures

Service Fees: A simple explanation of exactly what you can be charged and when.

Truth-in-Savings Disclosure: The rates, terms and limitations that apply to your account.