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Home » Checking » Accounts
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Unique Options. Free Services. Custom Fit for You.

Manage your money your way, no strings attached. FREE A+ Checking is available to all members.

Features:
  • No monthly fees or service charges
  • No minimum balance requirement
  • FREE Visa® Debit Card
  • FREE Xpress Yourself™ Debit Card
  • FREE Mobile Banking, Text Banking and Android, iPad & iPhone Apps
  • FREE Online Banking, Bill Pay and eStatements
  • Access to more than 53,000 Surcharge-FREE ATMs nationwide*
  • Unlimited check writing
  • FREE initial box of Apple logo checks.

Fees & Terms

Ask a Question about our A+ Checking Account

Compare Your Checking Account Options

It’s easy to move your accounts from another financial institution with Apple’s FREE SwitchKit.

Loyalty pays with Advantage Checking. Earn dividends on your entire Checking balance, plus much more.

Features:
  • Great dividend rate that pays monthly
  • No monthly fee (account requirements apply)*
  • FREE Visa® Debit Card
  • FREE Xpress Yourself™ Check Card
  • FREE Mobile Banking, Text Banking and Android, iPad & iPhone Apps
  • FREE Online Banking, Bill Pay and eStatements
  • Access to more than 53,000 Surcharge-FREE ATMs nationwide*
  • FREE and Unlimited non-Apple ATM withdrawals**
  • FREE Apple logo checks (one FREE box per calendar year)

Fees & Terms

Ask a Question about our Advantage Checking Account

Compare Your Checking Account Options

It’s easy to move your accounts from another financial institution with Apple’s FREE SwitchKit.

Choose One of These Three Easy Ways to Qualify!

  1. Have a monthly direct deposit of $1,000 or more into your Savings or Checking account
  2. Have an open Summer Pay Account
    OR
  3. Maintain at least a $20,000 combined Savings and Loan balance (including mortgage).

An initial deposit of $15 is required to open this account.
*$10 monthly fee waived for members who have a direct deposit of at least $1,000 per month, have an open Summer Pay Account or maintain combined Savings and Loan balance of at least $20,000. **Some institutions may impose a surcharge.

Get the basics you need with the benefits you crave. Plus, your FREE eXtras Visa® Debit Card makes getting cash and making purchases both quick and easy. It’s your money… manage it your way.

Features:
  • No monthly fees or service charges
  • No minimum balance requirement
  • FREE eXtras Visa® Debit Card
  • FREE Xpress Yourself™ Check Card
  • FREE Mobile Banking, Text Messaging and Android, iPad & iPhone Apps
  • FREE Online Banking, Bill Pay and eStatements
  • Access to more than 53,000 Surcharge-FREE ATMs nationwide*
  • Two FREE, non-Apple ATM transactions per month*.

Fees & Terms

Ask a Question about our eXtras Student Checking Account

Compare Your Checking Account Options

It’s easy to move your accounts from another financial institution with Apple’s FREE SwitchKit.

Qualifying for eXtras Student Checking is Easy!

Must be a student 12-23 years of age** and enrolled in eStatements.

*Some institutions may impose a surcharge
**A parent/guardian must remain a joint-member on the account until the student reaches 18 years of age.

This high-dividend earning Checking account rewards you for building a solid investment foundation.

Features:
  • Premium dividend rate (on balances up to $20,000*/no minimums)
  • No monthly fees or service charges
  • FREE ANYWHERE ATMs– we refund any charges
  • FREE, NO FEE Visa® Debit Card
  • FREE Xpress Yourself™ Check Card
  • FREE Mobile Banking, Text Banking and Android, iPad & iPhone Apps
  • FREE Online Banking, Bill Pay and eStatements
  • FREE Apple logo checks (one FREE box per calendar year)
  • Unlimited monthly surcharge free ATM usage

Fees & Terms

Ask a Question about our Investors Checking Account

Compare Your Checking Account Options

It’s easy to move your accounts from another financial institution with Apple’s FREE SwitchKit.

Qualifying for Investors Checking is Easy!

Simply maintain a minimum monthly balance of $25,000 in investment products (i.e., stocks, bonds, mutual funds, annuities, 529 plans, etc.) with Apple Financial Services LLC¹. Learn more about our financial advisors today.

An initial deposit of $15 is required to open this account.

1Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer, (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Apple FCU has contracted with CFS to make non-deposit investment products and services available to credit union members. Apple Financial Services LLC is a subsidiary of Apple FCU and is not directly affiliated with CFS. Tax preparation services are not affiliated with CFS. CFS and its Representatives do not provide tax advice. A qualified professional should be consulted for specific individual tax or legal guidance.

Fees & Terms

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I have money In my checking account but it won’t let me make a purchase

Asked by: Stephanie3347
For account-related matters, please call 703-788-4800 or login to Online Banking to securely chat with a representative.
Answered by: AppleFCU
Date published: 2018-02-16

Hi, how much is the opening amount for this checking account?

Asked by: Anonymous
The minimum opening balance for an Apple FCU Checking account is $15 (except eXtras Student Checking which is $0). Thereafter, there are no minimum balance requirements.
Answered by: AppleFCU
Date published: 2018-02-06

I need to open a 2nd A+ checking account. Can you help me with that or do I have to go into the branch?

Asked by: Lola
We don't service accounts through this general Q&A channel. To open a Second Checking, you can use the 'Add an Account' feature in Online Banking or our Mobile App, call 703-788-4800 or visit your branch.
Answered by: AppleFCU
Date published: 2018-01-17

Can the balance just be cash?

Asked by: Threesampsons
You can easily access the money in your Checking account by withdrawing cash, writing a check or using your Debit Card. If you need any further assistance, please call 703-788-4800.
Answered by: Apple FCU
Date published: 2018-01-10

I am a joint-member on my daughter's account. She has access to her online banking but i don't. How can i login? Is my member number the same of different than hers?

Asked by: JeannineM
Your member number is the same as hers if your only Apple FCU relationship is this joint account. If you prefer to not share login credentials, she can grant you access to view her account within Online Banking. To do so, click the Settings gear wheel in the top right corner of the screen, then expand the Settings menu if it isn't already. The first option will be to 'Assign Online Access'; then click 'Add Access' to get started.
Answered by: AppleFCU
Date published: 2017-11-27

How do I receive Apple Logo Checks. Did not receive check-books when I opened my FREE A+ account.

Asked by: atongo77
For assistance ordering checks, please call 703-788-4800, option 0, or stop by your neighborhood branch. Your initial box of Apple FCU logo checks is free.
Answered by: AppleFCU
Date published: 2017-11-13

I needed cash, and used an non Apple ATM at my job site. I was charged $3 for the transaction, and was wondering if I would get the transaction fee back.

Asked by: Minnie
For assistance with your account, please call 703-788-4800, or chat with a representative securely within Online Banking.
Answered by: AppleFCU
Date published: 2017-11-10

I recently requested that $100 from each paycheck be direct deposited into my savings account. That made the amount being deposited into my checking account less than $1,000. Would that be a problem and make me have to pay a fee?

Asked by: Anonymous
Thank you for your inquiry. As long as the deposit of $1,000 or more is met, it can be split between your Checking and Savings accounts. You would only be charged the monthly fee if you no longer meet one of the three qualifications for the checking account. If you have any additional questions or concerns, please contact our Member Service Center at 703-788-4800 (800-666-7996 toll-free), Monday – Friday, 8 a.m.-6 p.m. or Saturday, 9 a.m.-12 p.m. or stop by any Apple FCU branch.
Answered by: Apple FCU
Date published: 2017-11-06
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