Personal Checking Accounts

*APY = Annual Percentage Yield.

View MONTHLY QUALIFICATION AND STATEMENT CYCLES.

¹Kasasa Cash Checking: Must be a member of the credit union to open any deposit account. Membership eligibility required. To earn the 6.00% APY on balances up to $25,000, account qualifications must be met during the monthly cycle. Balances of $25,000.01 and over will earn 0.50% APY if all account qualifications are met during the monthly cycle. No minimum deposit or minimum balance is required to open or maintain the account. A monthly ACH debit/credit, 15 debit card purchases per month, and enrollment in online banking and e-statements are required for this account. A monthly ACH debit/credit, 15 debit card purchases per month, and enrollment in online banking and e-statements are required for this account. These transactions do not count toward earning account rewards: ATM-processed transactions, transfers between accounts and debit card purchases processed by merchants and received by our credit union as Bill Payment transactions. Visit andrewsfcu.org/kasasa for full details of qualifications, rates, rewards, fees, account specifics and restrictions. Limit of one account type per member. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. To automate transfer of checking account rewards for automatic savings, a linked Kasasa Saver account is required. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Advertised information and rewards are based on all account qualifications being met during each cycle period.

²Kasasa Cash Back Checking Account: Must be a member of the credit union to open any deposit account. Membership eligibility required. Maximum purchase amount $300 with maximum cash back of $9 per cycle. Visit andrewsfcu.org/kasasa for full details of qualifications, rates, rewards, fees, account specifics and restrictions. No minimum deposit or minimum balance is required to open or maintain the account. A monthly ACH debit/credit, 15 debit card purchases per month, and enrollment in online banking and e-statements are required for this account. A monthly ACH debit/credit, 15 debit card purchases per month, and enrollment in online banking and e-statements are required for this account. These transactions do not count toward earning account rewards: ATM-processed transactions, transfers between accounts and debit card purchases processed by merchants and received by our credit union as Bill Payment transactions. Limit of one account type per member. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. To automate transfer of checking account rewards for automatic savings, a linked Kasasa Saver account is required. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Advertised information and rewards are based on all account qualifications being met during each cycle period.

Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

³Early access to direct deposit funds depends on timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to one day earlier than the payer’s scheduled payment date.

⁵We will refund you any ATM surcharge fees that are charged to you when using a non-Andrews or non-CO-OP ATM machine (i.e. ATM fees charged by the machine owner/operator), up to a maximum of $12.00 in total fee refunds per month.  The ATM fee refunds will be posted to your Base Share Savings account at the end of the month.

⁶The Round Up service is not available for business accounts or business debit cards. You must have a Base Share Savings account for automatic transfers when enrolled in our Debit Card Round Up Savings Program. ATM withdrawals made with your Contactless Debit Card are not included in the Round Up feature.  If a debit card purchase is returned and credited, your Round Up amount remains in your Base Share Savings, it does not get returned to your checking balance. Credit transactions or adjustment transactions from your debit card are not included in the Round Up feature and will not be rounded up.  If your available balance in your checking account at the time of the Round Up transfer is less than $10.00, no Round Up will be processed or transferred.  If you do not have a checking balance sufficient to cover the amount of the Round Up in a given day, the Round Up will not be processed or transferred. Existing automated payment transfers (such as from your checking account to an Andrews loan) will take priority over Round Up transfers – if, after any payment transfers are completed, you have insufficient funds in your checking to complete the Round Up transfer, the Round Up will not be processed or transferred. You may unenroll in the Round Up service at any time, through our desktop or mobile Digital Banking platform.  The credit union reserves the right to change or discontinue this service at our discretion; if we do change or discontinue this program, we will notify you as required by law.

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.