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  America's Credit Union Affinity Plus Checking

America's Credit Union Affinity Plus Checking

in Checking Accounts from America's Credit Union

Unaffiliated

America's Credit Union Affinity Plus Checking

Unaffiliated

in Checking Accounts from America's Credit Union

Net Recommendation Score +50%

SUPERMONEY NET RECOMMENDATION SCORE

+50%

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 $7
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0% - 1.01%

America's Credit Union Affinity Plus Checking Review

America's Credit Union Affinity Plus Checking is offered by America's Credit Union, a credit union founded in 1954 and based in Fort Lewis, WA. America's Credit Union Affinity Plus Checking is available in 50 states (and Washington, DC).

Key Takeaways
  • Very high APY. This account offers an annual percentage yield of up to 1.01%, which is much higher than the average for a checking account.
  • Charges a monthly fee. This account charges a monthly maintenance fee of $7.
  • $25 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • No ATM fees. America's Credit Union Affinity Plus Checking does not charge fees on ATM transactions.
  • Up to $10 in ATM fee reimbursements. This account will reimburse you for the ATM fees charged by other financial institutions.
  • Free bill pay. Pay your bills to practically anyone in the United States through America's Credit Union.
  • Hard credit pull. America's Credit Union may require a hard pull on your credit report to open a checking account.
America's Credit Union Affinity Plus Checking Pros & Cons
Pros Cons
  • 10¢ back every time you use your debit card ($5 minimum)
  • Cell phone repair coverage
  • Reimbursements on ATM surcharges, nationwide ($10 maximum)
  • Available in all 50 states.
  • High-interest yield.
  • Access to physical branches.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • Balances over $25,000 do not earn dividends on the portion of the balance over $25,000.
  • If qualifications are not met, all balances earn 0.00% APY. Qualifications include: 1)15 debit card transactions per month. 2) Log into ACU online or mobile app at least once during the month 3) Be signed up for e-statements.
  • Unavoidable monthly fee
  • No signup bonus.
  • Does not offer mobile check deposits.
  • Not FDIC-insured.
  • Higher than average wire transfer fees.
  • Monthly service charge.
America's Credit Union Affinity Plus Checking FAQ

Are checking accounts from America's Credit Union federally insured?

No, your America's Credit Union checking accounts are not insured by a federal insurance agency. This means that if America's Credit Union were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

What APY does America's Credit Union Affinity Plus Checking offer?

America's Credit Union Affinity Plus Checking offers an APY starting at 0% and ranging up to 1.01% (APY stands for annual percentage yield, rates may change).

America's Credit Union Affinity Plus Checking Rates and Terms
Rates Amount
APY (Annualized Percentage Yield) 0% - 1.01%

What are the account minimums for America's Credit Union Affinity Plus Checking?

America's Credit Union Affinity Plus Checking requires a minimum initial deposit of $25 to open an account.

America's Credit Union Affinity Plus Checking Account Minimums
Description Amount
Minimum Initial Deposit $25

What fees does America's Credit Union Affinity Plus Checking charge?

This account charges a monthly maintenance fee of $7.

America's Credit Union Affinity Plus Checking Fees
Description
Monthly Fee $7
Paper Statement Fee N/A
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $0
NSF Fee $29
Overdraft Protection Fee (per transfer) $5
Overdraft Item Fee $29
Early Account Closure N/A
Returned Deposit Fee (Domestic) N/A
Debit Card Replacement Fee $10
Bank Teller Fee N/A
Check Cashing Fee N/A
Online Bill Pay Fee $0
Stop Payment Fee N/A
Check Image Service N/A
Check Copy N/A
Foreign Transaction Fee (Debit Card) N/A
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Outgoing) N/A
Wire Transfer Fee - International (Incoming) N/A
Returned Deposit Fee (International) N/A
Wire Transfer Fee - Domestic (Incoming) $0
ATM Reimbursement Monthly Limit $10

What features and perks does America's Credit Union Affinity Plus Checking offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks up to a monthly maximum of $10.
  • Fraud monitoring - America's Credit Union Affinity Plus 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's Credit Union Affinity Plus Checking allows you to manage your money online.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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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

  • Headquarters
  •   12th and Pendleton, Building 2201
    Fort Lewis, WA 98433
  •   Visit Site

About America's Credit Union Affinity Plus Checking

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Initial Deposit $25
ATM Fee: In-Network $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
ATM Fee: Out-of-Network $0
ATM Reimbursement Monthly Limit $10
Debit Card Replacement Fee $10
Monthly Fee $7
NSF Fee $29
Overdraft Item Fee $29
Overdraft Protection Fee (per transfer) $5
Wire Transfer Fee - Domestic (Outgoing) $15
Bank Account Features
  • No ATM Fees
  • Branch Access
  • NCUA Member
  • Debit Card
  • Free Bill Pay
  • Fraud Monitoring
  • Mobile Banking
  • Nationwide ATM Network
  • ATM Reimbursement
  • Interest Bearing Account
APY (Annual Percentage Yield) 0% - 1.01%

America's Credit Union Affinity Plus Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

+50%

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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