Security Update

We will NEVER ask you for sensitive personal identification information via email, phone, or social media unless you contact us. If you suspect fraud or spam, please notify us right away at 800-290-1112.

Skip to Content
Close Icon

50+ Interest Checking

Man writing check
50+ Interest Checking

Features Include:

  • Competitive interest for those 50 years or over
  • Free first order of checks
  • Free debit card
  • Welcome gift
  • No minimum balance
  • No monthly service charge

Open Account

Every Checking Account Includes:

Direct Deposit

Direct Deposit is safe and secure, and it’s easy to sign up. When you have your paycheck or benefit check directly deposited into your American First Credit Union account, you’ll get immediate access to your funds each payday. And, you’ll eliminate the risk of check fraud and lost or stolen checks. In most cases, just take our Direct Deposit Request form to your payroll/benefits department. 

Direct Deposit Request Form What You'll Need

You can always call us at 800-290-1112 or visit any American First branch and we’ll be happy to help.

 

Overdraft Privilege Service

Everyone has an 'oops' moment. When you opt-in to use Overdraft Privilege Service for your checking account, we may cover items when you don't have enough money in your account or the funds are not yet available to cover one-time everyday debit card transactions. It's free to opt-in, and you'll only be charged when you initiate transactions that would cause your balance to go below zero. To sign up for this service, call us anytime or stop by a branch.

Contact Us

Image of ladies swinging

Card Benefits

Enjoy the following benefits when you choose the American First Debit Card:

  • Mastercard Global Services
  • MasterCard ID Theft Protection
  • EMV-chip technology
  • 3-digit security code for enhanced security
  • 24/7 fraud monitoring
  • Zero liability so you only pay for what you purchased
  • Automatic Billing Updater
  • Use your card to be entered to win a Priceless Surprises gift card courtesy of Mastercard®
Earn Points with uChoose Rewards
Image of arrow
Connect your card to your Apple Device using Apple Pay®
Image of arrow
Protect your purchases using CardValet®
Image of arrow
Make digital payments using Zelle®
Image of arrow


Personal Checking Rates

As of 10/24/2020

CD Rates
Checking Account Opening Deposit APY
Totally Free Checking $50

N/A

Easy Interest Checking $50

0.05%

50+ Interest Checking $50 0.05%
Preferred Interest Checking ($0.01 - $1,499.99) $50 0.10%
Preferred Interest Checking ($1,500 and up) $50 0.15%

^Youth savers ages 13-17 may open a Totally Free, Easy Interest, or Preferred Interest Checking account with a parent or guardian. *Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented. APY (Annual Percentage Yield) subject to change without notice. Minimum balance to earn APY is $0.01 for checking accounts that earn dividends. Fees could reduce earnings. Refer to Schedule of Fees & Services for details.

 

Learn More
Icon of CardValet

CardValet

CardValet
Icon of shopping bag

uChoose Rewards

uChoose Rewards
Icon of handshake

Digital Services

Digital Services
Icon of people for Order Checks

Order Checks

Order Checks
Icon of questions

FAQs

FAQs
Aa Aa Aa