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JoAnn, Minnesota Resident

Interest Reward Checking. The One That Earns.

You could get a checking account. Or you could get one that makes you more money. Earn dividends at a competitive rate on balances over $200.

  • 0.125% APY*
  • $200 minimum balance avoids a $6 monthly fee

Open an Account   

What You Get

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Digital Banking

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

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

Enroll in digital statements to save trees and drawer space.

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Easy Cash Access

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

And 60,000+ nationwide (MoneyPass, SUM and CO-OP).

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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.

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More Perks

Free checks (up to 4 boxes per year).1

Waive 1 Courtesy Pay/NSF fee each year.2

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!

Getting Started is Easy

Not a member yet?

You can open an account and become a member at the same time.

Already a member?

You can save time on your account opening by logging in to online banking or the mobile app.

Have Questions?

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

A smiling person wearing a flannel shirt and a gray vest Jake, Minnesota Resident

Don't Want a Minimum Balance?

If you’d rather not worry about keeping a $200 balance, you can get many of the same benefits with the Better Than Free Checking account.

Learn about Better Than Free Checking See Checking Overview

Good to Know

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.
Membership Terms & Conditions: Your detailed account agreement and policy info.

* APY = Annual Percentage Yield. Rate effective as of 7/1/2020, and can change at any time without notice. Fees may reduce the earnings on these accounts, and are subject to change at any time.

† 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.

1.  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).

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.