Better Than Free Checking. Way Better.

Get an Affinity Plus checking account with no minimum balance, no monthly maintenance fees, and no ATM fees at 60,000+ machines nationwide. No kidding.

Jake, an Affinity Plus member, on a purple background
Jake, Minnesota Resident

What You Get

Digital Banking

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

Set up automatic Bill Pay in the mobile banking app or online banking.

Enroll in digital statements to save trees and drawer space.

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).

Debit Card Extras

Earn MyPlus Rewards™ points with your debit purchases.

Round up purchases for easy saving with Stash Your Cash.

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

More Perks

Waive 1 Courtesy Pay/NSF fee each year.2

Starter checks are included and Cashier's checks can be issued at any branch.3

A yearly credit report and review is 1 of your member benefits. Be sure to ask for it!


Not a member yet?

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

Already a member?

Apply for loans and 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.

We're here to help.

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

Want Checking that Earns Dividends?

If you’d prefer checking that makes you more money, the Interest Reward Checking account earns dividends. Your balance just needs to stay above the $200 minimum.

Patricia, an Affinity Plus member, on a green background
Patricia, Affinity Plus Member

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 fees.

2.  You can request a Courtesy Pay/NSF fee refund if you're charged (currently $35). And if we've already refunded one of those for you in the past year, you can use MyPlus Rewards™ points for it (as long as you have enough points).

A Courtesy Pay/NSF fee is what Affinity Plus charges when we cover a transaction that posts with non-sufficient funds (NSF). Please note that Courtesy Pay is a discretionary service, and not all members or transactions are eligible. But in eligible cases, Courtesy Pay is offered automatically – though you can opt out of this service by contacting us.

3.  Cashier's checks (also called "official checks") can be requested by members at any Affinity Plus branch, at no cost. The funds are deducted from the member's account when the check is issued.

† The Interest Reward Checking account is subject to a monthly fee if the balance falls below the minimum required balance.

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.