Your Dream.

A Checking Account that's TOTALLY  free!

Totally Free Checking

Get Mobile Banking, 30,000 free ATMs, and Purchase Rewards Cash Back, all in an account that's FREE for everyone!

Get unlimited check writing, no monthly service charge, no per check charge, with no minimum balance requirement, and your first order of checks is FREE! 

Open an Account Online

Totally Free Checking

Easy Interest Checking 

50+ Interest Checking

Preferred Interest Checking

Monthly Fee FREE FREE FREE Only $8 if balance falls below $1,500
Minimum Balance None None None None
First Order of Checks FREE FREE FREE
FREE
Online Banking FREE FREE FREE FREE
Bill Pay through Online Banking FREE when used monthly1
Mobile Banking with Remote Deposit Capture FREE FREE FREE FREE
e-Statements with Online Check Images FREE FREE FREE FREE
Visa® Debit Card FREE FREE FREE FREE
CUSC Shared Branch Transactions FREE FREE FREE FREE
Dividends Earned No Yes Yes Yes
CO-OP ATM Transactions FREE FREE FREE FREE
Overdraft Protection Available Yes Yes Yes Yes
Thank You Gift2 FREE FREE FREE FREE
We'll buy back your unused checks and debit cards from another financial institution3

See how you can switch and save at American First Credit Union.

Checking Account Features

No matter which Checking Account you choose, they all come with the same great benefits!

Need Help With Your Checking Account?

Call Us
800.290.1112
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Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See Fee Schedule for details. Offer good on personal accounts only; ask us about our outstanding options for your business or corporation. Credit Union rules and regulations apply. Minimum opening deposit is only $50. We reserve the right to substitute a gift of similar value. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. Up to $10 cash for checks and debit cards from another financial institution given at the time the checks/debit cards are presented. Ask us for details. 

1 Bill Pay is free as long as you pay one (1) bill per month, otherwise a $5.95 monthly fee applies.
2 We reserve the right to substitute a gift of similar value. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening.
3 Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented.