Atlantic Financial FCU branches will be closed on Monday, May 27th for Memorial Day. Enjoy convenient access to your accounts via online banking 24/7.

Person making purchase on mobile phone using AFFCU Power Checking Debit Card

Power Checking

Start earning 2% cash back on debit card purchases!*

Open An Account

Open A Checking 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

Power Checking gives you more power

Supporting your financial well-being means providing you access to the right solutions for your everyday banking needs.

Best For

  • Monthly Fee

    Monthly Fee

  • Opening Deposit

    Opening Deposit

  • Rewards


  • Free ATM Transactions

    Free ATM Transactions

  • Minimum Balance

    Minimum Balance

Those who frequently use their debit card and want to earn easy cash back rewards on everyday purchases.

  • Monthly Fee


  • Opening Deposit


  • Rewards

    2% 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**

  • Minimum Balance


A cash back 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

How to qualify for rewards

Earning your 2% Cash Back rewards is simple. Complete the following activities in your Power Checking account:

  • Have a qualifying total monthly direct deposit of at least $1,000 post and settle each month
  • Login to AFFCU online or mobile banking at least once per month

It’s that simple. If you don’t qualify, don’t worry. There are no penalties. Plus, you can always get back to earning rewards the next month.

Young lady thinking of an online purchase with her debit card

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.

Journey Checking

For young adult members through the age of 25 looking to start their financial journey while earning cash back rewards.

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


* 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.

** 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.