Spending Account. Just the Basics.

Avoid fees and get control over your money with an account that protects you from overdrafting.

Open through video banking or in-person.

Spending Account Hero@2x
Megan, Minnesota Resident

What You Get

Control Your Money

No overdraft fees. If you overspend your available account balance, we’ll decline the transaction.

No automatic payments, checks, or outgoing transfers so you’re minimizing your risk of overdrafting.

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.1

Easy Cash Access

Find nearby, no-fee ATMs from the mobile app's login screen.2

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

Debit Card Extras

Earn MyPlus Rewards™ points with your debit purchases.

Round up purchases for easy saving with Stash Your Cash.

Contact Us to Get Started

Not a member yet?

Membership is required to open a Spending Account with us. To apply for both, please contact us by video or visit a branch.

Already a member?

We’re not able to open this account type online quite yet. Contact us by video or stop into a branch and one of our member advisors will help you get started.

What You'll Need

To open an account, you’ll need your:

  • Social Security number
  • Driver's License, State Photo ID, or U.S. Passport
  • Initial deposit from a debit card, credit card, or external checking account to fund your new account

Want a Full-Service Checking Account?

If you’re not worried about overdrafting and you want to use automatic payments, our Better Than Free Checking account may be right for you.

Maggie, Minnesota Resident

Good to know

  1. 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.
  2. 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 fees.