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Checking Accounts

Everyday banking.
Not your everyday rewards checking accounts.

Open an Account

Checking accounts that give you more power

Supporting your financial well-being means providing you access to the right solutions for your everyday banking needs. Our checking accounts give you the power to control your finances without worrying about maintenance fees, balance requirements, or penalties. Plus, they offer monthly cash rewards giving you the power to save more, earn more, and do more with your hard earned money.

Our Power Checking1, PowerPlus Checking2, and Journey Checking3 Accounts provide amazing monthly cash rewards! Get rewarded for your everyday banking activities, plus:

No minimum balance

No minimum balance on any of our checking accounts

No Maintanence Fee

No monthly maintenance fees to avoid or penalties

Online & mobile banking

Manage your account, pay your bills online, and deposit checks via mobile banking app.

Free ATM transactions

We give you five (5) free ATM transactions each month from any ATM, anywhere.4

Visa® Debit Card

Unlimited transactions, no monthly fees

Overdraft protection

Use your savings account as a free safety net to prevent overdrafts.

Find the right checking account for you:

  • Best for members who:

    Best for members who:

  • Minimum Balance

    Minimum Balance

  • Rewards

    Rewards

  • Earning Potential

    Earning Potential

  • Free ATM Transactions

    Free ATM Transactions

Power Checking

  • Best for members who:

    Frequently use their debit card and want to earn easy cash back rewards on everyday purchases

  • Minimum Balance

    None

  • Rewards

    2% cash back earned on debit card purchases up to $500 monthly when you meet the qualifications1

  • Earning Potential

    Up to $10.00 cash back per month1

  • Free ATM Transactions

    Receive five (5) free non-AFFCU ATM transactions4

PowerPlus Checking

  • Best for members who:

    Maintain a higher monthly balance over $5,000 and want to earn a higher dividend rate.

  • Minimum Balance

    None

  • Rewards

    3% APY* on balances up to $12,000 when you meet the qualifications2

  • Earning Potential

    3.00% APY on balances up to $12,0002

  • Free ATM Transactions

    Receive five (5) free non-AFFCU ATM transactions4

Journey Checking

  • Best for members who:

    Young adult members looking to start their financial journey while earning cash back rewards.

  • Minimum Balance

    None

  • Rewards

    1% cash back earned on debit card purchases up to $500 monthly when you meet the qualifications3

  • Earning Potential

    Up to $5.00 cash back per month3

  • Free ATM Transactions

    Receive five (5) free non-AFFCU ATM transactions4

Classic Checking

  • Best for members who:

    Want a no-frills account, or need a secondary checking account option.

  • Minimum Balance

    None

  • Rewards

    None

  • Earning Potential

    N/A

  • Free ATM Transactions

    None

How to qualify for rewards

Earning your rewards is simple. Complete the following activities in your Power Checking account:

  • Have a qualifying total monthly direct deposit post and settle each month
    Power Checking must have at least $1,000 in total direct deposit
    PowerPlus Checking must have at least $3,500 in total direct deposit
  • Login to AFFCU online or mobile banking at least once per month

It’s that simple. If you don’t qualify, don’t worry. Your account is still free. Plus, you can always get back to earning rewards the month.

Young lady thinking of an online purchase with her debit card

I really love the cash back reward I get each month when using my debit card!

— – Mary M.

Checking FAQs

Enrolling in e-statements is easy. Log into your AFFCU online banking account via a desktop PC or laptop (cannot be completed via AFFCU mobile banking app). Click on the e-statement tab in the top navigation. Simply follow the prompts to enroll which include providing your email address and accepting the terms and conditions. Once completed you will be successfully enrolled in e-statements. Note: a new tab or window will open upon clicking the e-statements tab. To ensure it opens, be sure to enable pop-ups in your browser security settings for this website.

You may order checks in-branch, by calling 410-584-7474, or order online.
https://orders.mainstreetinc.com/ConsumerReorder?UseHeader=Yes&cid=21314

Your balance is easily accessible. You can find your monthly summary on your account statement or access a more up to date balance through your secure online and mobile banking account, or through Automated Phone Activated Transaction (PAT) system.

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Online & Mobile Banking

Manage your checking account from your desktop, tablet or mobile device. Check your balance, pay bills, deposit checks, transfer funds, and more!

Explore Online & Mobile Banking

Add & Earn Share Certificate

Use your monthly rewards and pay yourself. Increase your savings power and put it on autopilot by setting up auto transfers into and Add & Earn Share Certificate.

Learn more and open an account

Open a checking account today

Contact us
Contact Us
Open an account online
Open online
Call Us

(410) 584-7474

Disclosures

*APY = Annual Percentage Yield and is accurate as of 5/01/2020. Rates and rewards are variable and may change after account is opened.

1 Power Checking Account Reward Information: When Power Checking account qualifications are met during a monthly qualification period, you will receive 2.00% cash back on applicable AFFCU Visa debit card purchases (PIN-based and signature-based) on the first $500.00 spent, that post and settle to the account during the monthly statement period. A maximum of $10.00 cash back may be earned per monthly statement period. To qualify to earn the monthly Power Checking cash back rewards, the member must 1) login to online or mobile banking account at least one (1) time each month and 2) have a monthly cumulative total of $1,000 or more in direct deposit post to their checking account each month. Direct deposits must be received by 5:00 PM (ET) on the last business day of the current month in order to qualify. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the monthly qualification period in order to qualify for the account’s rewards.
The following activities do not count toward earning account rewards: ATM-processed transactions; transfers between accounts; debit card purchases processed by merchants and received by Atlantic Financial Federal Credit Union as ATM, PIN-based, or Bill Payment transactions; signature based transactions and purchases made with non-Atlantic Financial Federal Credit Union issued debit cards.
When Power Checking qualifications are not met, no cash back payments are rewarded. Cash back payments will be credited to your Power Checking account on the last day of statement cycle. “Monthly qualification period” means a period beginning on the first day of the calendar month through last day of the current calendar month. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Enrollment in and monthly access of online/mobile banking are conditions of the Power Checking account. Enrollment in electronic services (e.g. online or mobile banking) and log-ons are required to meet some of the account’s qualifications. Limit 1 account per social security number. Rates, rewards, and qualification criteria are variable and may change after account is opened.

2 PowerPlus Checking Account Reward Information: APY = Annual Percentage Yield and is accurate as of 5/01/2020. To qualify to earn the monthly PowerPlus Checking high-interest reward, the member must 1) login to online or mobile banking account at least one (1) time each month and 2) have a monthly cumulative total of $3,500 or more in direct deposit post to their checking account each month. Direct deposits must be received by 5:00 PM (ET) on the last business day of the current month in order to qualify. When the PowerPlus Checking account qualifications are met during a monthly qualification period, the balances up to $12,000 receive APY of 3.00%; and balances over $12,000 earn 0.50% interest rate on the portion of balance over $12,000, resulting in a range from 0.45% to 3.00% APY depending on the account’s balance. When PowerPlus Checking qualifications are not met, all balances in the account earn 0.05% APY. Dividends will be credited to your PowerPlus Checking account on the last day of statement cycle. Fees may reduce earnings. “Monthly qualification period” means a period beginning on the first day of the calendar month through last day of the current calendar month. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Enrollment in and monthly access of online/mobile banking are conditions of the PowerPlus Checking account. Enrollment in electronic services (e.g. online or mobile banking) and log-ons are required to meet some of the account’s qualifications. Limit 1 account per social security number. Rates, rewards, and qualification criteria are variable and may change after account is opened.

3 Journey Checking Account Reward Information: When Journey Checking account qualifications are met during a monthly qualification period, you will receive 1.00% cash back on applicable AFFCU Visa debit card purchases (PIN-based and signature-based) on the first $500.00 spent, that post and settle to the account during the monthly statement period. A maximum of $5.00 cash back may be earned per monthly statement period. To qualify to earn the monthly Journey Checking cash back rewards, the member must be eligible for a Journey Account and login to online or mobile banking account at least one (1) time each month. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the monthly qualification period in order to qualify for the account’s rewards.
The following activities do not count toward earning account rewards: ATM-processed transactions; transfers between accounts; debit card purchases processed by merchants and received by Atlantic Financial Federal Credit Union as ATM, PIN-based, or Bill Payment transactions; signature based transactions and purchases made with non-Atlantic Financial Federal Credit Union issued debit cards.
When Journey Checking qualifications are not met, no cash back payments are rewarded. Cash back payments will be credited to your Journey Checking account on the last day of statement cycle. “Monthly qualification period” means a period beginning on the first day of the calendar month through last day of the current calendar month. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Enrollment in and monthly access of online/mobile banking are conditions of the Journey Checking account. Enrollment in electronic services (e.g. online or mobile banking) and log-ons are required to meet some of the account’s qualifications. Limit 1 account per social security number. Rates, rewards, and qualification criteria are variable and may change after account is opened.

4 ATM Fee Information: Power Checking, PowerPlus Checking, and Journey Checking accounts are eligible to receive up to five (5) free foreign ATM transactions per month. A foreign transaction fee is a fee issued by Atlantic Financial when you use another financial institution’s or operator’s ATM (an ATM that is not an AFFCU or CO-OP Network ATM, or one of our local credit union partners ATMs). A surcharge-fee may be applicable, and the members responsibility to pay, if charged by the financial institution or ATM operator.