Dividend Rate
1.00%
10 Cents Back on Debit Card Purchases*
Mobile Phone Protection
ATM Fee Reimbursement
Want more than a basic checking account? Level up with these feature-rich options!
Just joined ACU and ready to step up your credit union experience?
Account Features
- Account Features
- No low-balance fees
- Cash Back with every purchase over $5.00
- High interest rate on your Checking account!
- Unlimited monthly transactions
- Free money transfers
- The buying power and worldwide acceptance of an ACU Visa® debit card
- Access to a nationwide network of over 35,000 free ATMs
- Falcon Fraud® mobile security
- Mobile check deposit
- Online and mobile Bill Pay
Already a Member?UPGRADE YOUR CHECKING ACCOUNT
New to ACU?OPEN A CHECKING ACCOUNT
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10 Cents Back on Debit Card PurchasesEarn money while you spend with our cash back checking account. To qualify, all you need to do is receive eStatements, make at least 15 debit card transactions over $5, and use our convenient Online Banking or Mobile App services.
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Estimated Monthly Value*:
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Earn Interest on Your Checking AccountWhy should only savings accounts and certificates earn interest? Let the money you keep on hand work for you! With Affinity Plus, you can earn generous dividends on the balance in your checking account, calculated monthly.
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Identity Theft ProtectionA robust security system is essential now that so much of your financial activity takes place online. We want to protect your personal identity as well as your assets and credit scores. When you choose Affinity Plus cash back checking, you gain peace of mind knowing you have access to:
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Estimated Monthly Value*:
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Mobile Phone ProtectionThere’s no need to pay extra on your cell phone bill for mobile phone insurance. When you open your Affinity Plus checking account with cash back, you automatically get this service free of charge, saving you money each month.
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Estimated Monthly Value*:
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ATM Fee ReimbursementWith Affinity Plus Checking, we’ve made it even easier to access your money whenever, wherever you need it. If you incur fees from ACU for withdrawing cash from out-of-network ATMs, Affinity Plus offsets those fees by returning an equal amount to your account, up to $10 per month. |
Estimated Monthly Value*:
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Discover the Affinity Plus DifferenceEnjoy a streamlined experience managing your daily finances when you choose our Affinity Plus Checking account. For a monthly fee of just $7, you get free identity theft protection, free mobile phone insurance, ATM refunds, and can earn cash on purchases! These services have a total value of at least $75.
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Estimated Monthly Value*:
Already a Member?UPGRADE YOUR CHECKING ACCOUNT
New to ACU?OPEN A CHECKING ACCOUNT
Affinity Plus Cash Back Checking Account Rates**
Rate as of: 02/17/2023
$0 – $25,000
APY
1.00%
$25,000.01+
Dividend Rate
0.00%
APY
0.00%
Click below to see our full list of interest rates and any applicable fees.
How To Open a Credit Union Checking Account
Step1 |
Become a Member of ACU Credit UnionYou can join ACU if you live, work, worship, or attend school in the Pacific Northwest or meet other criteria. |
Step2 |
Open a Regular Share Savings AccountUnlock all our quality products and services when you open a savings account with a deposit of just $25. |
Step3 |
Select Affinity Plus Checking AccountStart using your account, earning cash back on purchases, and enjoying all the protections and benefits on offer! |
Already a Member?UPGRADE YOUR CHECKING ACCOUNT
New to ACU?OPEN A CHECKING ACCOUNT
★★★★★
“Friendly service with a smile and amazing competitive rates for all
your financial needs. Thank you for truly being the credit union we all deserve!”
-MaryZen C., Lacey, WA
FAQs About Affinity Plus Cash Back Checking
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What is a cash back checking account?
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A cash back checking account rewards you with money back on eligible purchases made with your debit card. You earn a small amount each time you meet the minimum spending requirements. In the case of ACU’s Affinity Plus Cash Back Checking account, you earn 10 cents back every time you spend $5.00 or more using your debit card, provided you meet the qualifying requirements.
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How do I qualify for the benefits of an ACU Affinity Plus account?
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Our cash back checking account offers a wide range of features that you can access automatically when you open the account.
To receive the additional benefits of 10c cash back rewards on debit purchases over $5, ATM surcharge reimbursements up to $10 a month, and interest on your balance up to $25,000, you simply need to do the following each month:
- Receive eStatements
- Make 15 debit card transactions of $5.00 or more
- Log in to ACU Online or Mobile Banking
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Can I open a checking account if I need to repair my credit?
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You may not qualify for an Affinity Plus Cash Back Checking account if your personal finances aren’t in great shape, but ACU offers an Opportunity Checking Account so you can get your financial health back on track.
The monthly fee is just $8.95 when you set up a direct deposit to receive your entire payroll, pension, or Social Security check with a minimum of $500 per month.
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Can I get a bank account that also offers cell phone protection?
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If you’re looking for a bank account with mobile insurance, it’s hard to beat ACU’s Affinity Plus Cash Back Checking account, with coverage against theft or accidental damage to your phone. Terms and conditions may apply.
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Are cash back accounts worth it?
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Cash back checking accounts can be worth it if you use your debit card regularly and meet the account’s activity requirements. The rewards add up over time, especially if the account also includes perks like ATM fee refunds or free identity theft protection.
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Does ACU’s Affinity Plus Cash Back Checking account have a minimum balance requirement?
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There is no minimum balance requirement or low balance fee on our Affinity Plus Checking accounts.
More Quality ACU Accounts to Consider
Our Affinity checking accounts are designed to suit different financial needs, from Affinity Basic to Affinity Plus and Affinity Premier. You can gain access to all our products and services once you open a Regular Share Savings Account.
Affinity Premier
Enjoy competitive rates on higher balances with no monthly fee, free checks, and identity protection.Learn More
Enjoy competitive rates on higher balances with no monthly fee, free checks, and identity protection.Learn More
Affinity Free
Earn a great rate on balances under under $1,000 and get all the essentials like Online and Mobile Banking.Learn More
Earn a great rate on balances under under $1,000 and get all the essentials like Online and Mobile Banking.Learn More
Regular Share Savings
Open a share savings account and start earning dividends with unlimited deposits and easy transfers and withdrawals.Learn More
Open a share savings account and start earning dividends with unlimited deposits and easy transfers and withdrawals.Learn More
*Subject to credit approval. Requirement of a Regular Share Savings with a minimum balance of $25. Limited to one Affinity Plus Checking account per primary account holder. Only consumer accounts in good standing are eligible. Qualifying accounts receive reimbursed ATM fees up to $10 per month. 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 do not have to be met to receive cell phone and identity theft insurance. Your wireless carrier may charge a data or text messaging fee. Please check with your provider. The Qualification Cycle is defined as the first day of the calendar month through the last calendar day of the month (example: March 1–March 31). The advertised Affinity Plus APY is based on compounding dividends. The qualification cycle is not the same as your monthly statement cycle. 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. Accounts that do not satisfy the requirements of the account will still receive the insurance products and will be eligible for benefits in the following month. Secondary checking accounts for members who have more than one checking account will be designated as Affinity Basic accounts, which do not offer the extra benefits of Affinity Plus. A separate fee may be charged by the institution that owns or operates the ATM. Identity theft expense reimbursement insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortegra family of companies. For questions about mobile claims please call Worth Ave Group at 877-210-7401.
Consumer Account Disclosure: The terms applicable to your Deposit Accounts at ACU are provided in a separate Truth–in-Savings Disclosure. Fees may reduce earnings. See Fee Schedule. The Annual Percentage Yield on Share Certificates assumes dividends will remain on deposit until maturity. A withdrawal will reduce earnings. A penalty of up to 90 days of dividends may be imposed for early withdrawal on Share Certificates and Performance Saver Accounts and will affect earnings on the account. You must be an ACU member to qualify.
** APY = Annual Percentage Yield (APY). Rates may change after account opening.