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Earn 1% cash back on your purchases1 when you use your Affinity Cash Back Debit Card.

Open an Account

Choose Affinity for your debit card needs.

We are a not-for-profit organization that exists to serve our members. We are owned by our members and operate to promote their wellbeing by returning profits back to them in the form of reduced fees, higher savings rates, and lower loan rates. Additionally, as a financial cooperative, our members are also part owners, and each of them have a vote in the management of the credit union. We provide a safe place to save and borrow at reasonable rates, offer ongoing financial education to our members, and volunteer our time and resources to give back to our local communities.

SO MUCH MORE THAN BASIC CHECKING

Earn 1% cash back1 on everyday purchases

Start getting rewarded for your debit card purchases, including contactless, online and mobile pay purchases.

Get access to over 30,000 fee-free ATMs2

Plus unlimited check writing and withdrawals, and no-fee checking when you sign up for eStatements3.

Get paid up to 2 days sooner4 with direct deposit

Get paid up to 2 days early when you set up direct deposit for your Affinity Cash Back Debit Account.

Affinity Cash Back Debit Card
The Affinity Cash Back Debit Card is FREE with your checking account

Why pay cash for everyday items when you can use the Affinity Cash Back Debit Card? After all, cash doesn't give you 1% back on everything you buy!

  • Use it to pay in millions of locations that accept VISA debit
  • Contactless debit cards, so you'll spend less time at the store and more time on what matters
  • Continuous fraud monitoring and Visa's Zero Liability Policy5 protect you from fraudulent charges

SmartStart Savings Account
Put Your Cash Back To Work

Earn up to 3.75% APY on your cash back when you save your monthly earnings in an award-winning SmartStart Savings account. You'll earn dividends on your cash back while also growing your savings.

Learn More
Digital Wallet Debit Card Image

Paying Without Plastic, Securely


Tap to Pay® or put your card in your digital wallet to use with Apple Pay™, Google Pay™ or Samsung Pay™.

mobile pay payment icons

SOMETIMES MONEY GETS TIGHT

That's why we offer members four layers of overdraft and payment protection.

Included Coverage Icon
Standard Courtesy Pay6
(automatically included)

Covers you if a check, outgoing ACH transaction, automatic bill payment, or recurring debit card
payment exceeds your available balance2.

Fees may apply

Learn More >

Optional Coverage Icon
Debit Card Courtesy Pay7
(opt-in service)

Optional coverage for a one-time payment to cover a debit or ATM transaction that exceeds your account balance. There are no fees for transactions under $75.

$15 per transaction fee for over $75

Learn More >

Optional Coverage Icon
Overdraft Protect Plan
(opt-in service)

Link your checking account to another eligible Affinity account to automatically transfer funds when you’ve exceeded your checking account balance.

No fees to use this feature

Learn More >

Optional Product Icon
Overdraft Line of Credit

Apply for a line of credit to automatically transfer funds in the event of an overdraft. You only pay interest when you use the line of credit.

Apply Now

HOW TO OPEN YOUR AFFINITY CASH BACK DEBIT ACCOUNT

1
Join Affinity!
Our savings accounts, debit cards, and other services are for members only. Joining is easy: Join online or call us at 800.213.5003.
2
Apply for a Cash Back Debit Account
Get started on your application online, in-branch or over the phone—click here to view all details.
3
Fund your account
While there's no minimum balance requirement, you'll need to deposit funds in your account to use all its features. Deposit checks with the Affinity Mobile Banking app and deposit cash at the ATM or branch. When you’re ready to move your direct deposit to your new Affinity account, simply provide your checking account number and our routing number (221283512) to your Payroll Department.

FREQUENTLY ASKED QUESTIONS

General questions
Do debit cards offer cash back?

Some people think that only credit cards offer cash back rewards, but the Affinity Cash Back Debit Card rewards users with 1% cash back1 on all debit card purchases.

How does cash back work with Affinity Cash Back Debit?

Every time you make a purchase with your debit card, you earn 1% cash back1. Your cash back earnings are deposited right back into your account at the end of the month. How's that for convenience?

What is a checking account?

It's an account with a financial institution, like a bank or credit union, that lets you deposit money and access it in various ways to help you manage your day-to-day financial life. With a checking account, you can write checks, make transactions at the ATM, make online and mobile transfers, pay bills and more.

What is a checking account used for?

A checking account is typically used to deposit, hold and access money needed for daily and recurring expenses. So, for example, you may deposit your paycheck into your checking account and then use that money to pay your mortgage or rent, get cash for daily expenses, pay bills, and buy groceries.

Affinity checking account and debit card questions
What types of checking accounts does Affinity offer?

Affinity offers two checking accounts, Affinity Cash Back Debit and MoreChecking. No matter which checking account you choose, you'll always have convenient access to your money and great benefits.

What is the difference between the Affinity Cash Back Debit and Affinity MoreChecking account?

Affinity Cash Back Debit has no minimum deposit and no minimum balance requirements, and you'll earn 1% cash back on debit card purchases. MoreChecking requires a minimum balance of $1,000 and earns dividends.

How do you earn cash back on a debit card?

When you use the Affinity Cash Back Debit Card to pay for something, the cash back reward automatically happens: 1%1 of the purchase price is credited back to your account at the end of each month.

Is there a limit on how much cash back I can earn?

You earn 1% cash back1 on up to $1,000 in debit card purchases a month, up to $120 per year.

What are the requirements for opening an Affinity checking account?

For checking products, the primary applicant must be age 13 or older. We would also review each applicant's ChexSystems Consumer Disclosure to determine eligibility for membership and/or checking products.

Is the number on my Affinity Cash Back Debit card the same as my checking account number?

No. Your debit card has its own number, and is linked to your checking account, which has a different number. Your checks will show the account number at the bottom, as well as the routing number for Affinity Federal Credit Union (221283512).

How do I move my direct deposit paycheck to Affinity?

When you're ready to move your direct deposit to your new Affinity account, simply provide your checking account number and our routing number (221283512) to your Payroll Department.

How can I avoid overdrawing my account?

We have you covered with overdraft protection options designed to help when there is not enough money in your account to cover a transaction. Learn more about Affinity Standard Courtesy Pay, Debit Card Courtesy Pay, Overdraft Protection Plan and Overdraft Line of Credit.

Can I use my Affinity Cash Back Debit Card for mobile payments?

Yes. You can add your card to your mobile wallet to pay with Google Pay™, Apple Pay™ and Samsung Pay™.

Join Affinity Federal Credit Union
How do I join Affinity?

Almost anyone can be eligible for membership! We have relationships with over 2,000 businesses, associations and clubs, and you can join Affinity through your association with one of them.

If you are not eligible through one of these paths, you have the option to join by making a one-time $5 donation to the Affinity Foundation whose vision is to end the cycle of poverty for those we serve.

What is the fee to join?

With Affinity you are more than a member, you are part owner. Affinity is owned and controlled by members who use its services.

This ownership happens when you establish your $5 membership account, which gives you one par value share in Affinity. This is not a transactional account, and these funds will not earn dividends. The account must remain open and funded with the $5 during your membership with Affinity.

Where is the closest branch location?

Our digital tools, such as the Affinity Mobile Banking App and Online Banking, make it easy to manage your account and deposit checks right from your phone. You can also view our branches, shared branching locations and ATMs by visiting Affinity locations.

What is the difference between a credit union and a bank?

Credit unions, unlike banks, are based on a cooperative or "co-op" model in which the members are also the owners. This is the biggest difference between credit unions and banks. While a bank is a for-profit company that distributes profits among shareholders or individual owners, a credit union is a not-for-profit institution "owned" by its members. Therefore, you can think of credit union membership as buying a stake in an organization rather than paying somebody else in exchange for services. Learn more.

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1Earn 1% Cash Back on up to $1,000 in debit card purchases (point of sale purchases can be either a PIN or signature debit card purchase, including online transactions) each month. Up to $120 cash back per year maximum. Cash back earned each month will be credited to your Affinity Cash Back Debit Account by the next month's statement cycle. ATM transactions, the purchase of money orders or cash equivalents, loan payments and account funding made with your debit card are not eligible for cash back rewards.

This offer is only eligible with an Affinity Cash Back Debit Account. The Affinity Cash Back Debit Account has no minimum opening deposit and no minimum balance requirements. Cash back offer terms and conditions are subject to change without notice. Cash back earned may be reported on an IRS 1099 Form, if applicable.

2You can make an unlimited number of withdrawals from ATMs in our surcharge-free CO-OP Network without any surcharge from the owner of the ATM. There is no charge for out-of-network ATM transactions.

3To qualify for no monthly fees and avoid the $2 monthly paper statement fee, upon opening your Cash Back Debit Account, you must enroll in paperless statements (eStatements) either by registering and logging in to your Online Banking or Mobile Banking account. For new members the paper statement fee is waived for the first 45 days of membership, after that, if you have not enrolled in eStatements you may be assessed a $2 paper statement fee per month. Enrollment in eStatements means you will not receive mail delivery of your statements and you have agreed to Electronic Delivery Disclosure. You may withdraw your consent to receive paperless statements anytime by logging in to your Online Banking or Mobile banking account. If you choose to withdraw from eStatements you will be charged a $2 monthly paper statement fee.

Note: The fee is waived for tenant accounts, members age 70 or older; and children age 12 and under.

4Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Once your direct deposit goes into effect, Affinity may make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. On occasion, we may not receive your deposit information ahead of time from the ACH originator and may not be able to post your deposit early. In this case, your deposit will post on the scheduled posting date. We recommend that you do not write checks or authorize any other withdrawals against your direct deposit funds until you verify the funds have been posted to your account. Affinity FCU is not responsible for overdraft fees or penalties resulting from transactions that occur due to anticipated early direct deposit postings.

5The Zero Liability policy applies to U.S.-issued cards only; it does not apply to commercial card transactions, ATM transactions or PIN transactions not processed by Visa®.

6Standard Courtesy Pay – A discretionary service that allows Affinity to pay certain transactions presented against a qualified checking account even if they cause the account to become overdrawn. Authorizes Affinity to pay overdrafts for the following types of transactions: checks and other transactions made using your checking account number, automatic bill payments, and recurring debit card transactions. We will charge you a fee of $33 each time we pay an overdraft. There is no additional cost associated with this service unless you use it. Time for Repayment: We reserve the right to require you to pay an overdraft immediately. You are responsible to pay any negative balance in your account, and should make every attempt to bring your account to a positive balance within 30 days. If, after a period of time, your account has not been brought to a positive balance, we may suspend your account and take other steps to recover the funds, including collection and/or legal action. There is no limit on the total fees we can charge you for overdrawing your account. Circumstances Under Which We Would Not Pay - The circumstances under which we would not pay an item or debit that would overdraw your account are entirely at our discretion, and we reserve the right not to pay. For example, we typically wouldn’t pay if your account is not in good standing, or you are not depositing regularly, or you have too many overdrafts. The fact that we pay one or more items creating overdrafts does not obligate us to do so in the future.

7Debit Card Courtesy Pay – A discretionary service, which you must affirmatively consent to by opting in, that allows Affinity to pay certain transactions presented against a qualified checking account even if they cause the account to become overdrawn. This consent authorizes Affinity to pay overdrafts for the following types of transactions: ATM transactions and everyday debit card transactions. We will charge you a fee of $15 each time we pay an overdraft for transaction amounts of $75 or greater. No fee is charged for transactions below $75. There is no additional cost associated with this service unless you use it. Time for Repayment: We reserve the right to require you to pay an overdraft immediately. You are responsible to pay any negative balance in your account and should make every attempt to bring your account to a positive balance within 30 days. If, after a period of time, your account has not been brought to a positive balance, we may suspend your account and take other steps to recover the funds, including collection and/or legal action. There is no limit on the total fees we can charge you for overdrawing your account. Circumstances Under Which We Would Not Pay: The circumstances under which we would not pay an item or debit that would overdraw your account are entirely at our discretion, and we reserve the right not to pay. For example, we typically wouldn’t pay if your account is not in good standing, or you are not depositing regularly, or you have too many overdrafts. The fact that we pay one or more items creating overdrafts does not obligate us to do so in the future.