3.00% APY* Affinity FREE Checking Account

Simply set up a direct deposit to earn 3.00% APY on balances up to $1,000 and enjoy a wide range of FREE features and benefits!

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Affinity Free Checking Account Benefits

Platinum Rewards Visa Credit Cards

No Monthly Fees or Minimum Balance

Platinum Rewards Visa Credit Cards

Competitive APY* on Balances

Platinum Rewards Visa Credit Cards

Free Online Banking and Bill Pay


Already a member of ACU and want a free checking account with a great APY*?


New to ACU and ready to enjoy the benefits of joining a credit union?



Affinity Free Checking Account Features

  • Free checking account
  • No monthly maintenance fee
  • No minimum balance requirement
  • Free access to Online Banking and Mobile App
  • Free Mobile and Online Bill Pay
  • Free Mobile Deposit of checks
  • Free eStatements
  • Free ACU Visa® debit card
  • Personalized Debit Cards
  • Unlimited Debit Card Use
  • Unlimited monthly transactions
  • Access to a nationwide network of over 35,000 surcharge-free ATMs
  • Earn 3% APY on balances up to $1,000, 0.75% APY up to $15,000, and 0.50% APY on higher balances. (To earn dividends, you must have direct deposit of at least $500 per month, 10 POS transactions, $15,000.00 in combined loans and/or deposits and enroll in E-Statements.)

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Online and Mobile Banking Services

Affinity Free Checking makes it easy to manage your finances at home or on the go. You can check your account balance, transfer funds, and deposit checks quickly and securely from your phone, computer, or another device.


Customized Debit Card

Your free checking account comes with an option to get creative and order a personalized debit card online. Alternatively, you can enjoy the great designs that ACU offers with our instant-issue debit cards.


ACU Card App

Our free app gives you complete control over your ACU Visa debit or credit card. It works with iPhone, Android, and most other mobile phones. Download the app to set up Transaction Alerts, Card Controls, Seamless Travel, and Visa Checkout.



See Our Simple Process to Open a Free Checking Account



Become a Member of ACU Credit Union

Our membership is open to just about everyone. See our membership eligibility and confirm you can join us.



Open a Regular Share Savings Account

Unlock all our quality products and services when you open a savings account with a deposit of just $25.



Select Affinity Free Checking Account

Select our free checking account option and enjoy all the convenient benefits and features that can save you time and money!


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“Community oriented. The focus and attention to detail drives this company. My wife and I can’t say enough great things about the employees and just how much they give back. Kind and hardworking individuals that go the extra mile. I refer all of my friends to ACU!!”

-Chayse E.

FAQ About Our Free Checking Account

Q: What features are free with your free checking account?

A: With our Affinity Free Checking Account, you automatically qualify for these free features:

  • Free Online and Mobile Banking
  • Free Bill Pay
  • Free Mobile Deposit
  • Free eStatements
  • Free Debit Card
  • Free access to ACU ATMs and any in the Co-op ATM Network

Q: Can I earn interest on a free checking account?

A: Yes, one of the many great features of our Affinity Free Checking Account is that you can earn a competitive rate on your balance, especially if it’s under $1,000. All you need to do is set up a qualifying direct deposit into your account and then you can earn:

  • 3% APY on balances up to $1,000
  • 0.75% APY up to $15,000
  • 0.50% APY on balances over $15,000

Q: What fees do I need to pay on a free checking account?

A free checking account from a credit union is designed to keep costs as low as possible. Unlike some other financial institutions, we offer checking accounts with:

  • No monthly fee
  • No service fee
  • No low-balance fee

Also, you can avoid overdraft fees by linking your checking account to another account such as your Share Savings Account or a Money Market Account.


More ACU Checking and Saving Options

A free checking account offers all the essentials, but what if you want more? ACU offers two other checking accounts to meet your unique needs, while our savings account unlocks all our financial products and services.

Affinity Plus
Relax knowing you have cell phone insurance, identity theft coverage, and ATM refunds plus 10c back on debit card purchases over $5. Learn More 
Affinity Premier
Enjoy competitive rates on higher balances with no monthly fee, free checks, and identity protection. Learn More
Regular Share Savings
Open a share savings account and start earning dividends with unlimited deposits and easy transfers and withdrawals. Learn More


*APY=Annual Percentage Yield accurate as of 02/01/2023. Limited to one Affinity Free Checking account per primary account holder. Fees may reduce earnings. Rates are subject to change. See Fee Schedule. 3.00% APY applies to balances up to $1,000.00. Balances $1,000.01 to $15,000.00 earn 0.75% APY. Balances over $15,000.01 earn 0.50% APY. Regular Share Savings with a minimum deposit of $25 is required. To earn dividends, you must have direct deposit of at least $500 per month, 10 POS transactions, $15,000.00 in combined loans and/or deposits and enroll in E-Statements. The qualification cycle is not the same as your monthly statement cycle. The Qualification Cycle is defined as the first calendar day of the month through the last calendar day of the month (example: March 1–March 31). Transactions may take one or more banking days from the date the transaction was made to post to and settle in the account. ATM-processed withdrawals do not count as qualifying debit card transactions.