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  America First Credit Union Classic Checking

America First Credit Union Classic Checking

in Checking Accounts from America First Credit Union · Member ncua

Unaffiliated

America First Credit Union Classic Checking

Unaffiliated

in Checking Accounts from America First Credit Union · Member NCUSIF

Net Recommendation Score 0

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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Monthly Fee $0
ATM Fee: Out-of-Network $1.50
Minimum Balance to Avoid Monthly Fee $0
APY (Annual Percentage Yield) 0.05%

America First Credit Union Classic Checking Review

America First Credit Union Classic Checking is offered by America First Credit Union, a credit union founded in 1985 and based in Salt Lake City, UT. America First Credit Union Classic Checking is available in 3 states across the USA.

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only 0.05%.
  • $0 monthly fee. This account does not charge a monthly maintenance fee.
  • Small minimum initial deposit. You only need $1 to open an account.
  • No ATM fees. America First Credit Union Classic Checking does not charge fees on ATM transactions within its network but there is a fee of up to $1.50 for out-of-network ATM transactions.
  • Free bill pay. Pay your bills to practically anyone in the United States through America First Credit Union.
  • Hard credit pull. America First Credit Union may require a hard pull on your credit report to open a checking account.
America First Credit Union Classic Checking Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Deposits are insured by the NCUA (up to $250K).
  • Free debit card
  • No signup bonus.
  • Not FDIC-insured.
  • Only available in 3 states.
  • Higher than average wire transfer fees.
  • Charges a fee on out-of-network ATM transactions.
America First Credit Union Classic Checking FAQ

Are checking accounts from America First Credit Union federally insured?

Yes, your America First Credit Union checking accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. 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 America First Credit Union Classic Checking offer?

America First Credit Union Classic Checking Rates & Terms
Description
APY (Annual Percentage Yield) 0.05%

America First Credit Union Classic Checking offers an APY of 0.05% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $500.

What are the account minimums for America First Credit Union Classic Checking?

America First Credit Union Classic Checking requires a minimum initial deposit of $1 to open an account.

America First Credit Union Classic Checking Account Minimums
Description Amount
Minimum Opening Deposit $1
APY Minimum Balance $500

What fees does America First Credit Union Classic Checking charge?

The good news is that this account does not have a monthly service charge.

America First Credit Union Classic Checking Fees
Description
ATM Fee: In-Network $0
Check Copy $2
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0
NSF Fee $25
Online Bill Pay Fee $0
Overdraft Item Fee $25
Overdraft Protection Fee (per transfer) $25
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $10
Stop Payment Fee $15
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Incoming) $10
Wire Transfer Fee - International (Outgoing) $30
ATM Fee: Out-of-Network $1.50

What features and perks does America First Credit Union Classic Checking offer?

This account includes the following features:

  • Fraud monitoring - America First Credit Union Classic Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - America First Credit Union Classic Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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 Closed

Other Services by America First Credit Union

Availability

  Available in 3 states
  • Arizona
  • Nevada
  • Utah

Feature Breakdown

APY Minimum Balance $500
Minimum Opening Deposit Starting at $1
Minimum Balance to Avoid Monthly Fee $0
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Monthly Fee $0
Online Bill Pay Fee $0
Check Copy $2
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $25
Overdraft Item Fee $25
Overdraft Protection Fee (per transfer) $25
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $10
Stop Payment Fee $15
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Incoming) $10
Wire Transfer Fee - International (Outgoing) $30
ATM Fee: Out-of-Network $1.50
Bank Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card
  • Bauer Financial A+/A Rating
  • NCUA Member
APY (Annual Percentage Yield) 0.05%

America First Credit Union Classic Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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