Checking

Free A+ Checking – Simple and Free

Checking Accounts is rated 4.8 out of 5 by 1722.
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Compare Checking Accounts | Fees & Terms

Get access to your own money without paying any fees. With Free A+ Checking, you'll never pay a monthly service charge or need to maintain a minimum balance. You’ll receive a Visa® Debit Card that you can use to make purchases in stores or online, withdraw money at ATMs or setup automatic withdrawals to pay for things like your gym membership or utility bills.

Account Perks

skip-a-pay

No Monthly Service Fees


retirement-income-planning

No Minimum Balance Requirements


order-checks

Unlimited Check Writing


* Some institutions may impose a surcharge.
Ask a Question about our Free A+ Checking Account

Advantage Checking

Compare Checking Accounts | Fees & Terms | Rates

Apple’s Advantage Checking takes your banking relationship to the next level. You earn monthly dividends on your entire Checking balance, enjoy unlimited ATM withdrawals* and pay no monthly fee**. This account becomes even more convenient with a Visa® Debit Card so you can make online and store purchases or grab money from an ATM. You can use your Advantage Checking account to pay bills online, in one convenient place, without having to remember multiple user names and passwords.

Account Perks

competitive-rates

Earn a Great Dividend Rate


skip-a-pay

No Monthly Service Fee*
(account requirements apply)


order-checks

Unlimited Check Writing


* Some institutions may impose a surcharge.
** $10 monthly fee assessed for members who fail to meet at least one of the qualifications: 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.

It's easy to qualify for Advantage Checking

Meet at least one criteria to open your account.

  • Have a monthly direct deposit of $1,000 or more into your Savings or Checking account
  • Have an open Summer Pay account
  • Maintain at least a $20,000 combined Savings and Loan balance (including Mortgage)
Ask a Question about our Advantage Checking Account

Student Checking - Easy and Free

Compare Checking Accounts | Fees & Terms

Smash that piggy bank because it’s time to open a checking account. eXtras Student Checking is for busy students who have to stretch their dollars, which means you won’t pay a monthly service fee or have to maintain a minimum balance. You get a Visa Debit Card for purchases and to use at ATMs. Check your balance, pay bills, deposit checks, transfer money to friends from your phone!

This easy-to-manage account helps you prepare for and manage your money. With it you’ll have free and unlimited access to make ATM withdrawals*. You’ll get a Visa® Debit Card that you can use to make everyday purchases in a store or online. You may also use you’re Student checking account to pay bills by check or through online Bill Pay. Likewise, you can use your Debit Card for Apple FCU charges no monthly maintenance or overdraft fees. If you choose not to opt in to any kind of overdraft service and you try to spend money you don’t have, the transaction is declined at no cost to you.

Account Perks

skip-a-pay

No Monthly Service Fees


retirement-income-planning

No Minimum Balance Requirements


* Some institutions may impose a surcharge.

It's easy to qualify for Student Checking

Meet at all of the criteria below to open your account.

  • Must be a full-time student between the ages of 12-23 years old
  • Must be enrolled to receive eStatements
  • A parent/guardian must be a joint-member on the account until 18 years old

Open an account today!

Call 703-788-4800, visit a branch or send a Secure Message.

Ask a Question about our Student Checking Account

 

Investors Checking

Compare Checking Accounts | Fees & Terms| Rates

Managing your money is a skill, and you’re no beginner. Earn our highest checking dividend rate, enjoy the benefits of no-fee ATM transactions* and save with no monthly service fees. Experience a range of perks that include a free Visa Debit Card, free personal checks, and free online and mobile access.

Account Perks

competitive-rates

Earn a Premium Dividend Rate
(on balances up to $20,000)


skip-a-pay

No Monthly Service Fees


order-checks

Unlimited Check Writing


* Some institutions may impose a surcharge. Up to $15 worth of fees refunded per month.

It's easy to qualify for Investors Checking

You must 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 LLC.

Open an account today!

Call 703-788-4800, visit a branch or send a Secure Message.

Ask a Question about our Investors Checking Account

 

Rated 5 out of 5 by from The best banking institution I've ever had! Apple Federal Credit Union is the best. Honestly, the best. I have their Free A+ Checking account and I've not had a single problem in the years I've worked with them. I've closed all of my accounts with other "traditiional" banking institutions, as they simple can not compare. Every employee I've interacted with - tellers, managers, loan officers, phone operators, and online chat employees was friendly, personable, and most importantly - COMPETENT! I've never waited longer than two minutes in line for a teller, either. They're staffed very well (and their employees all seem very happy to be working there). I've recommended Apple FCU to everyone I know.
Date published: 2015-08-23
Rated 5 out of 5 by from Amazing Advantage Checking The Advantage Checking account offered at Apple Federal Credit Union is absolutely top-notch and nothing less. From the ease and convenience of Direct Deposit to the fantastic fact that balances earn interest, this product is a wonderful option when shopping for a checking account. Plus, the safety and security of this account is unfathomable. My Visa Debit account number was compromised without my knowledge; however, the bank immediately notified me to cut off the card's access to the funds in my account. Secondly, I was able to go into my branch the next business day to get my new card without having to close my account. What a fantastic service! Finally, I have zero fees on my account; yes, zero :)
Date published: 2015-07-22
Rated 5 out of 5 by from A True Financial Partner My wife and I moved to Virginia in 2003 and became members at that time. In 12 years we have lived in 5 states and in 7 homes and despite the fact that an Apple branch is no where near us we have maintained our relationship as our primary banking institution. Why? Simply the best customer service only rivaled by American Express in my experience. Every single person I have worked with has been kind, understanding and values our continued membership. The shared branch service works just fine for us and I know I can trust Apple FCU over the phone. Thank - looking forward to another great 12 years with Apple FCU.
Date published: 2015-05-07
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How muchoney do u need to open an account?

Asked by: Jenjen19
There's no minimum balance requirement to open an Apple FCU Checking account.
Answered by: AppleFCU
Date published: 2019-10-18

Do you have to maintain a certain balance? Aslo do you have to belong to a credit union or anyone can open

Asked by: Ivan60
None of the Apple FCU Checking accounts require a minimum balance. You do have to be a member of Apple FCU to open one; for membership eligibility details, visit https://www.applefcu.org/join-apple. We look forward to serving you!
Answered by: AppleFCU
Date published: 2019-10-18

Do you run a credit check or chexsystem when opening a checking account?

Asked by: Edwin222
Yes, Checking accounts are subject to review prior to account opening.
Answered by: AppleFCU
Date published: 2019-10-18

Is it unlimited debit card usage? Is it unlimited transfer between accounts?

Asked by: Kay1
There's no limit to the number of debit card transactions you can complete provided funds are available, and per Regulation D, you're permitted six (6) electronic transfers from a non-transactional account (i.e. Saving, Money Market, etc.). There's not a limit on your Checking account to which the Debit Card is linked.
Answered by: AppleFCU
Date published: 2019-10-18

How do I order checks from my checking account that I have with you?

Asked by: Karli
To order checks, login to Online Banking and click the gearwheel next to your Checking account. Full details are available here: https://www.applefcu.org/personal-banking/checking/check/reorderchecks.
Answered by: AppleFCU
Date published: 2019-10-18

Can I apply for a student checking account online?

Asked by: ChloeAD
Members 18-23 are able to open an eXtras Checking online - use the 'Add a Product' tab. If you're under 18, a joint member is required, so please visit any Apple FCU branch for assistance. Thanks!
Answered by: AppleFCU
Date published: 2019-10-02

Can't find how to order free checks. Where is it on the website

Asked by: hartski
To order checks, login to Online Banking and click the gearwheel next to your Checking. Full details are available here: https://www.applefcu.org/personal-banking/checking/check/reorderchecks.
Answered by: AppleFCU
Date published: 2019-10-02

Does the A+ Checking have free, unlimited transfers to different accounts? Including external accounts?

Asked by: John123
There is no set limit for the number of transfers, however, there are daily/monthly dollar limits. Details are available within Online Banking/Mobile App (Move Money), or feel free to call 703-788-4800 to speak with a representative.
Answered by: AppleFCU
Date published: 2019-10-02
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Fall in Love with Free Checking

Fall in Love with Free Checking

Open a NEW Checking with a FREE Visa Debit Card.
Following your first Debit Card purchase, you’ll earn a sweet $50* bonus.

Learn More

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