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Earn more with
Affinity MoreChecking
Start earning dividends1 when you open an Affinity MoreChecking account.
Open an Account

Choose Affinity for your checking 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 0.05% APY on your checking account balance1

Start earning dividends on your MoreChecking account when you maintain a $1,000 minimum daily balance1.

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 MoreChecking banking account.

MoreChecking Debit Card
The Affinity MoreChecking Debit Card is FREE with your checking account

Don't want to search your pockets for cash? Use your Visa® Debit Access Card for everyday purchases instead – plus, get easy, no-fee access to your MoreChecking account at more than 30,000 ATMs nationwide.

  • 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

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 Plan8
(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 MORECHECKING ACCOUNT

1
Join Affinity!
Our checking accounts, debit cards, and other service are for members only. Joining is easy: Join online or call us at 800.325.0808.
2
Apply for a MoreChecking Account
Get started on your application online, in-branch or over the phone—click here to view all details.
3
Set Up Direct Deposit
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
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.

What are dividends?

Since Affinity Federal Credit Union members are actually shareholders, they receive a distribution of earnings (or dividends) in return for investing in or saving with the credit union.

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.

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 MoreChecking 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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1To avoid imposition of fees you must maintain an average daily balance of $1,000 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.

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. 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).

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.

8Overdraft Protection: All loans are subject to credit review and approval. You may opt out and learn more about account overdraft protection options by contacting 800.325.0808 or visiting a branch. Overdrafts are paid at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction even if you have opted in to Debit Card Courtesy Pay.