AFCU Checking Accounts
To address the individual needs of its members AFCU has designed a variety of checking accounts…with the flexibility to satisfy your financial needs for a lifetime.
All Star Checking (Free) - Direct deposit or Payroll deduction required.
- No Monthly Service Charge
- No per check charge
- Unlimited Transactions
- Overdraft transfer from Shares or Line-of-Credit
- Overdraft Privilege
- Over 25,000 fee-free ATMs
- FREE* Virtual Branch® home banking with Check Imaging
- FREE* Virtual Branch® Bill Pay
- FREE VISA® Check Card with UChoose Rewards®
- FREE e-statement
- $25 opening deposit required
NOTE: All Star Checking accounts not maintaining direct deposit or payroll deduction will be charged a monthly service charge of $6.
*Virtual Branch services are FREE, but will be disabled after 90-days of non-use.
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Five Star Checking - designed for members who generally write more than 10 checks per month or utilize additional services such as our VISA® Check Card and overdraft transfer from a Line-of-Credit.
- Pays dividends
- No per check charge
- Unlimited Transactions
- Overdraft transfer from Shares or Line-of-Credit
- Overdraft Privilege
- Over 25,000 fee-free ATMs
- FREE* Virtual Branch® home banking with Check Imaging
- FREE* Virtual Branch® Bill Pay
- FREE VISA® Check Card with UChoose Rewards®
- FREE e-statement
- $25 opening deposit required
- No monthly service charge with $300 minimum daily balance; $6 monthly service charge if balance falls below $300
*Virtual Branch services are FREE, but will be disabled after 90-days of non-use.
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1st Star Checking - designed for Students up to age 25*.
 No minimum balance required, and no monthly service charge - Over 25,000 fee-free ATMs
- FREE VISA® Check Card with UChoose Rewards®
- FREE* Virtual Branch® home banking with Check Imaging
- FREE* Virtual Branch® Bill Pay
- FREE e-statement
- Overdraft Privilege
- Unlimited transactions
- $25 opening deposit required
*At age 25 the account will automatically convert to a Five Star Checking unless the member has selected an alternate AFCU checking type. Virtual Branch services are FREE, but will be disabled after 90-days of non-use.
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Silver Star Checking- designed for members 55 and older. 
- Pays dividends
- No minimum balance requirement
- No per check charge
- Unlimited Transactions
- Overdraft transfer from Shares or Line-of-Credit
- Overdraft Privilege
- Over 25,000 fee-free ATMs
- FREE* Virtual Branch® home banking with Check Imaging
- FREE* Virtual Branch® Bill Pay
- FREE VISA® Check Card with UChoose Rewards®
- FREE e-statement
- $25 opening deposit required
- 2 FREE Boxes of Checks per year
- No monthly service charge
*Virtual Branch services are FREE, but will be disabled after 90-days of non-use.
 Fresh Start Checking - designed for members who have been turned away by other financial institutions for past credit issues.
- $25 minimum opening deposit required
- No minimum balance requirement
- No per check charge
- No Dividends
- Unlimited Transactions
- Overdraft transfer from Shares or Line-of-Credit
- Over 25,000 fee-free ATMs
- FREE VISA® Check Card with UChoose Rewards® (subject to approval)
- FREE* Virtual Branch® home banking with Check Imaging
- FREE* Virtual Branch® Bill Pay
- FREE e-statement
- $10 monthly service charge
*Virtual Branch services are FREE, but will be disabled after 90-days of non-use.
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Five Star PLUS Checking - Designed for members who want to receive higher dividends.
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Minimum opening deposit $5,000
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Higher dividend rate paid monthly on balances of $5,000 or more
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No per check charge
-
Unlimited Transactions
-
Overdraft transfer from Shares or Line-of-Credit
-
Overdraft Privilege
-
Over 25,000 fee-free ATMs
-
FREE* Virtual Branch® home banking with Check Imaging
-
FREE* Virtual Branch® Bill Pay
-
FREE VISA® Check Card with UChoose Rewards®
-
FREE e-statement
No monthly service charge with $5,000 minimum daily balance; $10 monthly service charge if balance falls below $5,000
*Virtual Branch services are FREE, but will be disabled after 90-days of non-use.
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Small Business Checking - designed for Small Businesses.
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$25 minimum opening deposit
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Unlimited Transactions by check or VISA® Check Card, and unlimited deposits
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No per check charge
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Overdraft transfer from Shares or Line-of-Credit
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Over 25,000 fee-free ATMs
-
FREE* Virtual Branch® home banking with Check Imaging
-
FREE* Virtual Branch® Bill Pay
-
FREE VISA® Check Card with UChoose Rewards®
-
FREE e-statement
-
No monthly service charge with $1,000 minimum daily balance; $20 monthly service charge if balance falls below $1,000
*Virtual Branch services are FREE, but will be disabled after 90-days of non-use.
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