Checking Accounts

Choices can be difficult.  We want it to be easy for you to find the perfect checking to meet your needs. No matter your situation, APFCU has the perfect account for you whether you are just starting out, needing to build credit or already established.  We also have an account for those who just need an account for payroll deposit to avoid those costly payroll cards.  You pick the checking that fits your lifestyle.

  • For the member who desires a basic checking account without the extras. This checking account satisfies the needs of the "routine check writer".

    • 3 (Three) Free ATM Transactions monthly

    Member Requirements:

    No Requirements

  • Once you receive your DEBIT Card, you will automatically be issued a PIN (personal identification number) enabling you to access any ATM on the STAR/PLUS/CO-OP Network/MEMBERS ACCESS system. Your card can also be used as VISA Credit, allowing you the convenience of a credit card transaction with any merchant accepting VISA Cards.

    In addition to receiving your card, you can apply for Overdraft Protection – a line of credit to protect you from overdrawing your account. (Application Approval Required).

    VISA Transaction: A check card transaction. Used mostly at merchant locations, a swipe (by you or a merchant), telephone, or internet transaction (This transaction may place a hold up to 3 days on your available balance)

    ATM Transaction: A withdrawal made by you at an ATM or at a merchant location in which you have entered your PIN number ***Your money is deducted immediately!!

    P.I.N.: Personal Identification Number

    Account Balance: Actual Balance in your account

    Available Balance: Your Account Balance less any holds or authorizations

    Transaction Date: Actual date the transaction was posted to your account

    Business Day: A calendar day other than a Saturday, Sunday, or Federal Holidays

    System Date: Actual business day

    After hours phone number for VISA Debit Cards:  1-800-754-4128

    Please direct all questions relating to Debit Cards to an Account Specialist.