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America First Credit Union Checking

in Checking Accounts from America First Credit Union · Member ncua

Unaffiliated

America First Credit Union Checking

Unaffiliated

in Checking Accounts from America First Credit Union · Member NCUSIF

Net Recommendation Score 0%

1 user recommends

0 users are unsure

1 user doesn't recommend

Browse Reviews: 1 Recommendations | 1 Complaints

Highlights
Community Rating	Rating not yet determined
Monthly Fee	$0
ATM Fee: Out-of-Network	$1.50
Minimum Balance to Avoid Monthly Fee	N/A
APY (Annual Percentage Yield)	0.05%

America First Credit Union Checking Review

America First Credit Union 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 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%, and you must keep a minimum balance of $500.
$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 Checking does not charge fees on 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 Checking Pros & Cons

Pros	Cons
Interest-yielding account. 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 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 Checking offer?

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

America First Credit Union 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 Checking?

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

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

What fees does America First Credit Union Checking charge?

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

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

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

This account includes the following features:

Fraud monitoring - America First Credit Union 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 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.