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Home » Personal Banking » 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).

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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Are you allowed to have multiple checking accounts open at AFCU?

Asked by: Ulili
Yes, we offer a Second Checking product, and you can also be Joint on other member's Checking accounts.
Answered by: AppleFCU
Date published: 2017-02-09

What does A+ account mean

Asked by: Gina33
The Apple FCU A+ Checking account is our most basic account, and carries no minimum balance requirements or monthly fees. For complete details, visit https://www.applefcu.org/Checking/Accounts.
Answered by: AppleFCU
Date published: 2017-02-09

What is, if any, the interest on the Free A+ checking account?

Asked by: abbslee123
Unfortunately, dividends are not paid on an Apple FCU FREE A+ Checking account. Our Advantage and Investors Checking accounts do, however; compare them now at https://www.applefcu.org/Checking/CompareChecking.
Answered by: AppleFCU
Date published: 2017-02-09

Can I add my husband to my account with his tax ID number?

Asked by: mirian
Yes, an Individual Taxpayer Identification Number (ITIN) can be used. To add him as a joint owner, please complete the following form and return it as noted: https://www.applefcu.org/Resources/FormDetails?formid=1.
Answered by: AppleFCU
Date published: 2017-02-09

Hello, I am wanting information about opening a student checking for daughter for Christmas. What would I need to open an account or would she need to be present?

Asked by: Keisha
No, she would not need to be present, but her signature would have to be on the application. If she's already a member of Apple FCU and has Online Banking, you could simply login to her account and use the 'Add an Account' feature to instantly add the eXtras Checking. Eligibility for any Apple Checking begins at age 12, and you'd have to remain joint on the account she reaches 18. If you need further assistance, please call 703-788-4800 to speak with a Member Account Specialist. We look forward to serving you!
Answered by: AppleFCU
Date published: 2017-02-09

What documents are needed to open a business checking account?

Asked by: abcde
Thanks for your interest in an Apple FCU Business Checking account. The required documentation varies based on which Business Checking you select, so please call 703-788-4800 or stop by your local branch (https://www.applefcu.org/Appleweb/Locations) for assistance. Our staff would be happy to discuss your needs and share the requirements accordingly.
Answered by: AppleFCU
Date published: 2017-02-09

Can I transfer money from me Apple savings to this checking account every month without a fee?

Asked by: VMartinez
Yes, transfers from your Apple FCU Savings to Checking are permissible at no charge if you initiate the transfer. Should we have to conduct the automatic transfer from Savings due to insufficient funds in your Checking, there is a small, associated fee (https://www.applefcu.org/AppleWeb/Rates#tab6). NOTE: The Federal Reserve Board requires that financial institutions comply with Regulation D. t requires that no more than six (6) electronic transactions may be made from any Savings, Club or Money Market account per month. Therefore, any electronic transactions from these accounts, in excess of six (6) per month, will be denied.
Answered by: AppleFCU
Date published: 2016-11-21

Hello, can you tell me who is eligible to open an account?

Asked by: Ronnie
Apple FCU membership and account opening is available to anyone who lives, works, worships, volunteers or attends school in Fairfax County, Fairfax City, Frederick County, Manassas City, Manassas Park or Prince William County. Membership may also be based on your employment at one of our participating businesses and organizations as well as your family/household relationship with a current Apple FCU member. For more information about all of the ways you may qualify for membership, visit: https://www.applefcu.org/Appleweb/Join
Answered by: Apple FCU
Date published: 2016-11-29
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