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Journey Checking

Get up to $5.00 cash back per month just by swiping your card.*

Open An Account

Open A Journey Account

I am applying as a:

Applying online is fast and easy.

Should you have any questions or need assistance, please reach out to us:

Phone: 410-584-7474

Email: [email protected]

Representatives available
Mon-Fri: 9AM-5PM

It’s not your destination that matters: it’s your journey

You’re at the age where establishing good financial habits today will set you up for success well into the future. Having the right checking account to help you manage your money is important. So choose one that will put you on the path to financial success and reward you with cash back, making your everyday purchases feel extraordinary.

Best For

  • Monthly Fee

    Monthly Fee

  • Opening Deposit

    Opening Deposit

  • Rewards


  • Free ATM Transactions

    Free ATM Transactions

  • Minimum Balance

    Minimum Balance

Young adult members through age 25 looking to start their financial journey while earning cash back rewards.

  • Monthly Fee


  • Opening Deposit


  • Rewards

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

  • Free ATM Transactions

    Up to five (5) free non-AFFCU ATM transactions per month

  • Minimum Balance


A checking account that keeps giving

No Minimum Balance

No minimum balance on any of our checking accounts.

No Maintenance Fee

No monthly maintenance fees to avoid or penalties.

24/7 Access

Manage your account through online and mobile banking.

Free ATM Transactions

Five (5) free ATM transactions each month from any ATM.**

Visa Debit Card

Unlimited transactions, no monthly fees.

Overdraft Protection

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

Open an Account

Check Out Our Other Accounts

PowerPlus Checking

For those who maintain a higher monthly balance over $5,000 and want to earn a higher dividend rate.

Power Checking

For those who frequently use their debit card and want cash back rewards for their everyday purchases.

Classic Checking

For those who want a no-frills account, or need a secondary checking account option.

View Account Comparison

Open a checking account today

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

(410) 584-7474


* 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.

** 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.