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Beware of Fraud Scams

We’re aware of a new fraud attempt going out on pink postcards being mailed to Andrews Federal Credit Union members. The postcard states that there is an issue with your mortgage and to call a toll-free number. This communication is not from Andrews Federal. If you receive any communications that appears to be from Andrews Federal Credit Union asking for sensitive account information – IT IS A SCAM! Visit our Security Center for more guidance on how to protect yourself.

Andrews Federal Credit Union
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Overdraft Checking Account Protection

Options to give you flexibility when you need it most
  • Choose from several protection options
  • Avoid charges for insufficient funds
  • Link your Checking and Savings Accounts
  • Add flexibility for a Line of Credit

Give your accounts extra coverage. Give yourself extra peace of mind.

Life can be hectic; sometimes, you may need extra help and protection to cover your transactions. When emergencies happen, you can count on Andrews Federal to provide a range of overdraft protection options to help you set things right.

Transfer from Savings Account

Quickly move your money to cover transactions

  • Log into Digital Banking to transfer money from your savings account without needing to visit a branch location 
  • It's quick and easy to move money between accounts
  • Plus, there is no fee for transferring funds between accounts
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Overdraft Line of Credit

Cover your account when you need it most

  • An overdraft Line of Credit provides access to funds and you’re only charged interest on funds you use
  • No interest will be charged if balances are paid off the same day as transfers occur
  • Request to have funds moved to your checking account whenever your balance runs low
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Privilege Pay

Temporarily allow your checking balance to go below zero

  • If you have an unexpected expense or forget to make a deposit, Privilege Pay gives you peace of mind that your payments will still be made.
  • Your eligible checking account is automatically enrolled in Privilege Pay to cover checks and automatic (ACH) payments.
  • You can extend your overdraft coverage by opting into Privilege Pay for debit card purchases.
  • There's a $32 fee for each Privilege Pay-covered transaction, with a maximum daily charge of $96 (i.e., a daily cap of 3 fees).
  • You must repay overdrafts in a reasonable amount of time (no more than 25-30 days).
  • Privilege Pay is a courtesy that we extend to you, offered at our discretion.
  • There is a limit to how much Privilege Pay will cover.
  • If you choose not to use overdraft protection, your transaction will be returned unpaid (or your debit card purchase will be declined) if you do not have sufficient funds in your checking account.
  • To be enrolled, you must meet account requirements, including having a monthly direct deposit of at least $200.
  • View Terms and Conditions for Privilege Pay.
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Rewarding Checking

Kasasa Cash Checking
We’re always looking for ways to give you more. That includes our outstanding checking options powered by Kasasa. With Kasasa Cash Checking, you can earn higher dividends on your checking account balances — up to 6.00% APY. And, you’ll continue to have access to all the best benefits that come standard with Andrews Federal membership, including Early Direct Deposit, mobile check deposits, Digital Banking access and more.
Learn More

Now offering members the option to choose high yield or cash back with new checking accounts powered by Kasasa.

Andrews Federal Credit Union is a full-service financial institution with stateside locations in Washington, D.C., Maryland, Virginia and New Jersey and overseas locations in Germany, Belgium and the Netherlands.