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  America First Credit Union Classic Checking
America First Credit Union Classic Checking
in Checking Accounts from America First Credit Union · Insured by NCUA
Unaffiliated

America First Credit Union Classic Checking

Unaffiliated
in Checking Accounts from America First Credit Union · Insured by NCUA
SuperMoney Net Recommendation Score +40  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +40, equating to 3.8 on a 5 point rating scale.

+40

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.

Mostly recommended

3 users recommend
1 user is unsure
1 user doesn't recommend
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2 reviews
Highlights
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

  • Bonus offer. Open a new account and you can get
  • Low APY. The maximum annual percentage yield for this account is only 0.05%.
  • $0 monthly fee. This account does not charge any monthly account fees.
  • 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

Pros Cons
  • Dividend-yielding account.
  • Insured by NCUA.
  • Free debit card
  • No signup bonus.
  • Does not provide access to a nationwide ATM network.
  • 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 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?

America First Credit Union Classic Checking Rates & Terms
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.

America First Credit Union Classic Checking Minimums
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.

America First Credit Union Classic Checking Fees
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. You can get 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.

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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.

Message From America First Credit Union

CLASSIC CHECKING Your Money—Quick & Easy! America First checking gives you anytime, anywhere access to your funds, balances, transfers, bill pay & more. It’s your money, so we let you use it how you wish & wherever you want. Our Classic Checking account features no monthly fees, no low-balance fees, competitive dividends, and many additional benefits.

Availability

  Available in 3 states
  • 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
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
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
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card
  • Bauer Financial A+/A Rating
  • Insured by NCUA
Signup Bonus Starting at $0
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 recommended by SuperMoney users with a score of +40, equating to 3.8 on a 5 point rating scale.

+40

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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