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  Affinity FCU MoreChecking Account
Affinity FCU MoreChecking Account
in Checking Accounts from Affinity Federal Credit Union · Insured by NCUA
Unaffiliated

Affinity FCU MoreChecking Account

Unaffiliated
in Checking Accounts from Affinity Federal Credit Union · Insured by NCUA
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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.00% - 0.25%
(Verified 07/11/2022)
Monthly Fee $0 - $7
Minimum Balance to Avoid Monthly Fee N/A

Affinity FCU MoreChecking Account Review

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

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 service 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 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.
  • 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 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.

Affinity Credit Union checking account Rates and Terms
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 to open an account.

Affinity FCU MoreChecking Account Minimums
Description
Minimum Opening Deposit Starting at $5
Minimum Balance to Earn APY $1,000

What fees does Affinity Credit Union checking account charge?

This account charges a monthly service fee of up to $7.

Affinity FCU MoreChecking Account Fees
Description
Monthly Fee $0 - $7
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2.25
Foreign Transaction Fee (Debit Card) 2%
NSF Fee $33
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $10
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
Paper Statement Fee $2
Online Bill Pay Fee $0
Check Copy $7
Debit Card Replacement Fee $5
Early Account Closure $0

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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Message From Affinity Federal Credit Union

Earn more with Affinity MoreChecking, a checking account that lets you earn dividends and is designed for members who carry balances of $1,000 or more. Our convenience features come standard with all Affinity checking accounts so you can manage your accounts from anywhere, anytime and have easy access to your money:

Availability

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

Feature Breakdown

Minimum Opening Deposit Starting at $5
Minimum Balance to Earn APY $1,000
Monthly Fee $0 - $7
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2.25
Foreign Transaction Fee (Debit Card) 2%
NSF Fee $33
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $10
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
Paper Statement Fee $2
Online Bill Pay Fee $0
Check Copy $7
Debit Card Replacement Fee $5
Early Account Closure $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
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
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0.00% - 0.25%
(Verified 07/11/2022)

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