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Cash Back Debit Account

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Earn 1% cash back on everyday debit card purchases with no minimum balance requirements.1

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MoreChecking Account

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Earn 0.25% APY on your checking account when you maintain a minimum balance of $1,000.2

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SIMPLE, EVERYDAY PERSONAL BANKING

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Early Pay3

Get your paycheck up to 2 days early

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Overdraft Protection

Worry less with our overdraft protection options

30,000+ fee-free ATMs icon

30,000+ Fee-Free ATMs4

Free ATM withdrawals at over 30,000 locations nationwide

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BANKING IN THE PALM OF YOUR HAND

A top-rated mobile app
Make your own banking hours with the Affinity Mobile Banking App.

Mobile deposit
Deposit checks on your time, right from your phone.

Money movement
Make transfers or send money to friends and family in minutes5 with Zelle®.

THE EXPERIENCE YOU DESERVE

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Bank Securely

Your money is in a safe place with federal insurance and security features like real-time alerts.

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Open in Minutes

It only takes a couple minutes to open an account with Affinity. Get started online or in person.

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Stress Less

Personal banking with easy-to-use features that help you focus on what matters.

LOCATIONS

Find an ATM or Affinity location near you.


When you need us, we’ll be there. Visit an Affinity ATM or branch near you.

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MANAGE YOUR MONEY

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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.

2APY = Annual Percentage Yield. Earn 0.25% APY on your checking account balance when you maintain an average daily balance of $1,000 or more in your account. If your average daily balance falls below the required minimum daily balance, your account will be subject to a service fee of $7.00 for that month. If your daily balance on any day falls below $1,000, rate reverts to 0% until the minimum balance requirement is met.

3Early 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.

4You 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. When you use an ATM not owned by us or part of our network, you may be charged a fee by the ATM operator, or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

5Zelle® is available to checking and savings account holders in the U.S. only. To receive money in minutes, the recipient's email address or U.S. mobile number must already be enrolled with Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.