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PowerPlus Checking

Get up to 3% APY on checking account balances up to $12,000!*

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

PowerPlus Checking puts the POW in power

Growing wealth means managing it wisely, even in daily transactions. PowerPlus Checking Accounts were designed to not only boost your savings rate but make your debit card swipes feel more rewarding than ever before.

Best For

  • Monthly Fee

    Monthly Fee

  • Opening Deposit

    Opening Deposit

  • Rewards


  • Free ATM Transactions

    Free ATM Transactions

  • Minimum Balance

    Minimum Balance

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

  • Monthly Fee


  • Opening Deposit


  • Rewards

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

  • Free ATM Transactions

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

  • Minimum Balance


A high-interest 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 3% APY1 reward is simple. Complete the following activities in your Power Checking account:

  • Have a qualifying total monthly direct deposit of at least $3,500 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

Power Checking

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

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
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Call Us

(410) 584-7474


*1 PowerPlus Checking Account Reward Information: APY = Annual Percentage Yield and is accurate as of 5/01/2021. Rates and rewards are variable and may change after account is opened. 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 0.15% 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.

** 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.