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  Affinity Federal Credit Union MoreChecking Account

Affinity Federal Credit Union MoreChecking Account

in Checking Accounts from Affinity Federal Credit Union · ncua

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Affinity Federal Credit Union MoreChecking Account

Unaffiliated

in Checking Accounts from Affinity Federal Credit Union · Insured by NCUA

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Highlights
Monthly Fee $0 - $10
ATM Fee: Out-of-Network $2.25
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.25%

Affinity Federal Credit Union MoreChecking Account Review

Affinity Federal Credit Union MoreChecking Account is offered by Affinity Federal Credit Union, a credit union founded in 1935 and based in Basking Ridge, NJ. Affinity Federal Credit Union MoreChecking Account is available in 1 state across the USA.

Key Takeaways
  • Higher than average APY. Affinity Federal Credit Union 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 service fee of up to $10.
  • Small minimum initial deposit. You only need $5 to open an account.
  • No ATM fees. Affinity Federal Credit Union MoreChecking Account does not charge fees on ATM transactions within its network but there is a fee of up to $2.25 for out-of-network ATM transactions.
  • Bill pay. Pay your bills to practically anyone in the United States through Affinity Federal Credit Union.
Affinity Credit Union checking account Pros & Cons
Pros Cons
  • Dividend-yielding account
  • Insured by NCUA.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a higher than average fee on out-of-network ATM transactions.
Affinity Credit Union checking account FAQ

Are checking accounts from Affinity Federal Credit Union federally insured?

Yes, your Affinity Federal Credit Union 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 Federal Credit Union MoreChecking Account Rates & Terms
Description
APY (Annual Percentage Yield) 0.25%

Affinity Credit Union checking account offers an APY of 0.25% (APY stands for annual percentage yield, rates may change). However, to earn interest account holders must keep an average beginning day balance of $1000.

What are the account minimums for Affinity Credit Union checking account?

Affinity Credit Union checking account requires a minimum initial deposit of $5 to open an account.

Affinity Credit Union checking account Account Minimums
Description Amount
Minimum Opening Deposit $5
APY Minimum Balance $1,000

What fees does Affinity Credit Union checking account charge?

This account charges a monthly service fee of up to $10.

Affinity Federal Credit Union MoreChecking Account Fees
Description
ATM Fee: In-Network $0
Check Copy $7
Debit Card Replacement Fee $5
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 2%
Monthly Fee $0 - $10
NSF Fee $33
Online Bill Pay Fee $0
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $10
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $15
Stop Payment Fee $33
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $45
ATM Fee: Out-of-Network $2.25

Does Affinity Credit Union checking account charge overdraft fees?

Yes, Affinity Credit Union checking account charges a $33 fee for every overdraft.

Affinity Credit Union checking account offers overdraft protection at a cost of $10 per transaction.

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 checks 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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Contact

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

Other Services by Affinity Federal Credit Union

Availability

  Available in 1 state
New Jersey
Availabile in all of New Jersey

Feature Breakdown

APY Minimum Balance $1,000
Minimum Opening Deposit Starting at $5
ATM Fee: In-Network $0
Early Account Closure $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
Check Copy $7
Debit Card Replacement Fee $5
Foreign Transaction Fee (Debit Card) 2%
Monthly Fee $0 - $10
NSF Fee $33
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $10
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $15
Stop Payment Fee $33
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Outgoing) $45
ATM Fee: Out-of-Network $2.25
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Insured by NCUA
APY (Annual Percentage Yield) 0.25%

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