Checking

Free A+ Checking – Simple and Free

Checking Accounts is rated 4.8 out of 5 by 1705.
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Write a Review

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.

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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is it possible to get the free budget tool with this account as well

Asked by: kp345
Included in Online/Mobile Banking is our FREE personal money management tool, My Financial Life. Use it to aggregate your accounts from other financial institutions to get a true look at your financial picture. It makes it easy to monitor your spending, control debt and stay on budget. Log in now to get started, or learn more: https://www.applefcu.org/learning-center/my-financial-life. You can also run a financial health assessment using another FREE tool on our site provided by SavvyMoney: https://www.savvymoney.com/checkup/?refer=AppleFCU&page=landing. Lastly, a wealth of budgeting resources are available here as well: https://applefcu.balancepro.org/resources/articles/credit-union-programs-debt-and-budget-coaching/; or https://applefcu.balancepro.org/.
Answered by: AppleFCU
Date published: 2019-07-15

How much is the minimum balance?

Asked by: JewArt
There are no minimum balance requirements for any Apple FCU Checking account. Some may require an initial opening balance of $15; that's meant to provide for the cost of checks, should you order any. If you're already a member, you can easily open an account within Online/Mobile Banking. To join Apple, please visit https://maponline.applefcu.org/?_ga=2.33199038.129503658.1563195043-1002896953.1549652016.
Answered by: AppleFCU
Date published: 2019-07-15

Can I cash a check from an insurance company for 3,600, if I have a checking account with Apple, but don't have 3,600 in my account?

Asked by: Sabrina
Generally, our policy is to make funds from your check deposits available to you on the next business day after we receive your deposit. However, there are a number of reasons we may delay your ability to fully withdraw the funds. To review our Funds Availability Disclosure, go here (page 10): https://www.applefcu.org/docs/default-source/disclosure/accountdisclosures.pdf?sfvrsn=60a51eb9_12. At the time of deposit, the representative handling your check would be able to explain your withdrawal options and when the funds will be available, if we're unable to fully release them.
Answered by: AppleFCU
Date published: 2019-07-08

is there intrest on student accounts, and if so what is it?

Asked by: dakshi
The Apple FCU eXtras Student Checking does not earn interest. For an interest-bearing student account, check out our eXtras Student Savings at https://www.applefcu.org/personal-banking/rates/deposits.
Answered by: AppleFCU
Date published: 2019-07-08

where are you located in winchester va

Asked by: dee19
Our Winchester Branch is located at 1850 S. Loudoun Street, just off Jubal Early Drive. We look forward to seeing you soon!
Answered by: AppleFCU
Date published: 2019-07-08

I was wondering how can you get a account in a credit union 

Asked by: Jflei
You can qualify for membership based on where you live, work, worship and much more (i.e. Winchester City, Frederick County (VA)); details can be found here: https://www.applefcu.org/join-apple. You can then join online 24/7, or visit one of our branches! For a listing, visit: https://www.applefcu.org/find-us. We look forward to welcoming you to the Apple Family!
Answered by: AppleFCU
Date published: 2019-06-05

When I turn 24, what will happen to my student savings account?

Asked by: Student123
When you turn 24, the Apple FCU eXtras Student Savings will automatically convert to a regular Savings account at that time. You will receive notice at that time.
Answered by: AppleFCU
Date published: 2019-06-05

With a Student Checking account, does the 'student' get checks to use?

Asked by: Jojoeee
Checks are typically not provided for this account as we find that most students prefer a debit card, digital wallets and/or alternate payment solutions (i.e., Paypal (currently integrated in our App), Venmo).
Answered by: AppleFCU
Date published: 2019-06-05
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