America First Credit Union Classic Checking
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| Community Rating | Mostly recommended |
| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) | 0.05% |
| Monthly Fee | $0 |
| Minimum Balance to Avoid Monthly Fee | Starting at $0 |
| Number of Reviews | 5 |
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
- Higher than average APY. America First Credit Union Classic Checking has an annual percentage yield of up to 0.05%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $500.
- $0 monthly fee. This account does not charge a monthly Service Charge.
- 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.
- Bill pay. Pay your bills to practically anyone in the United States through America First Credit Union.
America First Credit Union checking account Pros & Cons
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America First Credit Union checking account 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 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 America First Credit Union checking account offer?
| Description | |
|---|---|
| APY (Annual Percentage Yield) | 0.05% |
America First Credit Union checking account offers an APY of 0.05% (APY stands for annual percentage yield, rates may change). However, to earn interest account holders must keep an average beginning day balance of $500.
What are the account minimums for America First Credit Union checking account?
America First Credit Union checking account requires a minimum initial deposit of $1 to open an account.
| Description | |
|---|---|
| Minimum Opening Deposit | Starting at $1 |
| Minimum Balance to Avoid Monthly Fee | Starting at $0 |
| Minimum Balance to Earn APY | $500 |
What fees does America First Credit Union checking account charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |
|---|---|
| Monthly Fee | $0 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | Starting at $1.50 |
| Foreign Transaction Fee (Debit Card) | 1% |
| NSF Fee | $25 |
| Overdraft Item Fee | $25 |
| Overdraft Protection Fee (per transfer) | $25 |
| 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 |
| Paper Statement Fee | $5 |
| Online Bill Pay Fee | $0 |
| Check Copy | $2 |
| Debit Card Replacement Fee | $0 |
| Early Account Closure | $0 |
Does America First Credit Union checking account charge overdraft fees?
Yes, America First Credit Union checking account charges a $25 fee for every overdraft.America First Credit Union checking account offers overdraft protection at a cost of $25 per transaction.
What features and perks does America First Credit Union checking account offer?
This account includes the following features:
- Fraud monitoring - America First 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 - America First 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.
What is the customer support email for America First Credit Union checking account?
The customer support email for America First Credit Union checking account is support@americafirst.com .
How do people rate the customer service and user experience of America First Credit Union checking account?
Overall, America First Credit Union checking account is mostly recommended based on community reviews that rate customer service and user experience.
Message From America First Credit Union
Contact
- Headquarters
-
455 E 500 S. Ste 100
Salt Lake City, UT 84111 USA - (800) 999-3961
- Visit Site
- Email Support
Other Services by America First Credit Union
Availability
- Arizona
- Nevada
- Utah
Feature Breakdown
| Minimum Opening Deposit | Starting at $1 |
| Minimum Balance to Avoid Monthly Fee | Starting at $0 |
| Minimum Balance to Earn APY | $500 |
America First Credit Union Classic Checking Community Reviews
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