Opening your savings account is the first step to your new checking account and establishes you as a member of our Credit Union.

Smart Rewards Checking

Our Smart Rewards Checking account offers our valued members a powerful new way to save money! This account offers the best in security, savings and online services! Some of the extra benefits of this account are cell phone protection, identity theft aid and roadside assistance. With our Smart Rewards Checking, you can shop local and save local. 

$25 minimum deposit required to open account. *$6 monthly service charge. Smart Rewards powered by BaZing brings 360,000 discounts to where you live, work or travel. The restaurants and shops you know and love are included in Smart Rewards, powered by BaZing savings network, right where you live and across the nation. Simply show your mobile coupon to the retailer for instant savings. 

Members Choice Checking

Our most popular checking account offers a variety of free services listed in the chart above. You can also rent a safe deposit box* if you need a secure place to keep those important documents. With Member's Choice Checking, you can order checks if  you would like or just use your debit card. This account has the flexibility you need. Call or visit one of our member service representatives for information on opening your account today!

$25 minimum deposit required to open account. *Based upon availability.

Prime Checking

This account is specifically designed for our valued members age 50 and over. Membership benefits abound when choosing this checking account. Some of the extra benefits of this account are one free box of standard AACFCU duplicate checks per year, a 5% discount on safe deposit box rental when available, and free coin machine usage. The monthly service charge can be waived if the deposit minimum is met.*

$25 minimum deposit required to open account. *$3 monthly service charge, waived if more than $10,000 on deposit. If ordering checks online, use check code AYDS.

You Choose Debit Account

Do you need a checking account and no one will help you? Are you just starting out and worried you won't be able to handle your finances? We have the account for you! You Choose Debit is the account that gives you a second chance to let you open a checking account while keeping your finances in line. See all the other features of this account in the chart above.* This debit card won't let your account get overdrawn and leave you with fees.

*Checks are not available with this account, only a debit card. Minimum deposit to open is $25.

Youth Account

Do you have a teen in your household that is ready to learn some financial responsibility? We have checking accounts just for 13 to 18 year olds. The features of this account are outlined in the chart above plus your teen gets free coin machine usage in case they are saving their pennies!

And if you’re ready for them to learn even more responsibility, you can apply for a MasterCard® credit card.* When they open their accounts and select at least two of our services, we’ll give them a free gift. Contact us today about our Youth Accounts. We’d love to be a financial resource for your teen.

$25 minimum deposit required to open account. *Some restrictions apply. Contact us for full details.

Are you planning on traveling?

If you use your card outside your normal usage area, within the United States or travel to a foreign country, there is a possibility your card can be declined. Log in to Online Banking, select Secure Forms then Travel/Merchant Authorization Request. This will allow the Credit Union to make sure you can use your card while traveling. 

If your card is blocked, call the number on the back of your card or AACFCU at 800-448-4096.

Lost or Stolen Debit Card

To report a lost or stolen MasterCard debit card, please call 888-918-7739.

Frequently Asked Questions:

More Questions? Just Ask


Or speak to a Member Service Representative at any of our branches.