Simply Free Checking. Just what you need.
No minimum balance, no monthly fees, and no ATM fees at 60,000+ machines nationwide. Yes, really.
What You Get
Digital Banking
Deposit checks from anywhere with the top-rated mobile app.
Set up automatic Bill Pay in the mobile app or online banking.
Account Security
Debit cards have EMV chips for extra fraud protection.
Account alerts (text or email) give you extra peace of mind.
Easy Cash Access
Find nearby, no-fee ATMs1 from the mobile app’s login screen.
And 60,000+ nationwide (SUM, MoneyPass and COOP).
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
Overdraft Coverage
We cover overdraft checks and ACH transfers/payments for our members who qualify for Courtesy Pay. If your balance goes negative by less than $100, you won’t get charged a fee.3
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.
Want checking that goes further?
Getting Started is Easy
Not a member yet?
Membership is required for accounts with us. But you can apply for most types and become a member at the same time.
Already a member?
To open an additional account, log in to digital banking and select “Open an Account” from the menu.
We're here to help.
If you have questions or need help with anything, please contact us.
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.
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 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 Personal Service Fees Brochure. 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.