Last Updated: 01/21/2026
Affinity FCU MoreChecking Account
Unaffiliated
Last Updated: 01/21/2026
Not enough votes for recommendation
Rating not yet determined2 total votes
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Highlights
Welcome Offer
Starting at $0(Verified 06/21/2024)
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Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.00% - 0.25%(Verified 06/21/2024)
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Monthly Service Fee
$0 - $7(Verified 01/21/2026)
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Affinity FCU MoreChecking Account Review
The Affinity FCU MoreChecking Account is offered by Affinity Federal Credit Union, a credit union founded in 1935 and based in Basking Ridge, NJ. Affinity Credit Union checking account is available in 1 state.
Key Takeaways
- Higher than average APY. Affinity FCU MoreChecking Account has an annual percentage yield of up to 0.25%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $1000.
- Charges a monthly fee. This account charges a monthly fee of up to $7.
- Small minimum initial deposit. You only need $5 to open an account.
- No ATM fees. Affinity FCU MoreChecking Account does not charge fees on ATM transactions within its network but there is a fee of $2.25 for out-of-network ATM transactions .
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Affinity Federal Credit Union mobile or online banking.
Affinity Credit Union checking account Pros & Cons
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Affinity Credit Union checking account FAQ
Are checking accounts from Affinity Federal Credit Union federally insured?
Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does Affinity Credit Union checking account offer?
Affinity Credit Union checking account offers an APY starting at 0.00% and ranging up to 0.25% (APY stands for annual percentage yield, rates may change). However, to earn interest, you must keep an average beginning day balance of at least $1000.
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.00% - 0.25% |
What are the account minimums for Affinity Credit Union checking account?
Affinity Credit Union checking account requires a minimum initial deposit of $5.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $1,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Affinity Credit Union checking account charge?
This account charges a monthly maintenance fee each statement cycle of up to $7.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $2.25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $33 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $33 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $33 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $45 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Affinity Credit Union checking account charge overdraft fees?
Yes, Affinity Credit Union checking account charges a $33 fee for every overdraft.What features and perks does Affinity Credit Union checking account offer?
This account includes the following features:
- Fraud monitoring - Affinity Credit Union checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Affinity Credit Union checking account allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Affinity Credit Union checking account?
The customer support email for Affinity Credit Union checking account is direlations@affinityfcu.com.
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Message from Affinity Credit Union checking account
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 1:00PM
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Learn MoreSuperMoney Net Recommendation Score
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-1000+100
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Everyone recommends
Affinity FCU MoreChecking Account Community Reviews
Would you recommend Affinity FCU MoreChecking Account to your friends?
Sharan J.
Nov 8, 2023
May or may not recommend
They have an awesome team and a dedicated staff. I am very impressed by their vision, hard work, outstanding performance, and wonderful team-mates. Their reputation is well-earned.
U
Anonymous
Feb 19, 2023
May or may not recommend
While other banks/credit unions are reducing or eliminating their nsf/overdraft fees, Affinity has made ONE reduction over a year ago & seems to have no interest in considering any further deductions or eliminations of fees. Instead of TRULY being there to help it's customers, by WAIVING fees, especially for consumers they can see are having issues, especially during covid, instead, Affinity FCU would perfer to hit their account as hard ...Show More
Showing 2 of 2 reviews
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