- Free Digital Banking
- Access to 30,000+ ATMs
- Transfer money with Zelle
- uChoose Rewards redeemable for gift cards, travel discounts, and more
$5/month — waived with qualifying balance or activity
Advantage Checking
Savings. Protection. Everyday Value.
Enjoy local discounts, roadside assistance, cell phone protection, identity theft protection, and more included with your Advantage Checking account.
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Simple
Checking
For everyday banking
Most
Popular
Popular
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Gold Advantage
Checking
Banking. Protection. Savings.
Everything in Simple Checking, plus exclusive deals and benefits:
- Shopping discounts at thousands of local and national retailers
- Cell phone protection for eligible phones against repair or replacement costs
- Roadside Assistance
- Identity theft protection
- Health savings on prescriptions, eye exams, and lenses
And More! Full benefits below
$6.95/month
Best
Value!
Value!
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Platinum Advantage
Interest Checking
Premium Banking with Interest
Everything in Simple & Gold Advantage Checking, plus:
- Earn interest on balances over $1,500
$12.95/month — waived with qualifying daily balance
Discounts the whole family can enjoy.
“My kiddos wanted Jersey Mike's for dinner, so I decided to treat them. I pulled up my American First Advantage app and saw a coupon for a free drink and chips. I showed it to the cashier, she entered the code, and I saved almost $5!!
My son now wants to look through all the deals since it was so easy to use!”
-Angie H.
AFCU Member & Associate
Savings That Go Where You Go
BaZing Savings1
Shop local, save local. Discover discounts and national retailer deals.
Cell Phone Protection2,3
Phone broken or stolen? You're covered with repair or replacement.
Roadside Assistance2
Available 24/7 and free to use, covering up to $80 in covered service charges.
ID Theft Aid2,3
A host of identity protection products to help keep you safe.
Health Savings
Save money on prescriptions, eye exams, frames, lenses, and hearing services.
Buyer's Protection
& Extended Warranty2,3
Items are protected for up to $2,500 per item if theft or accidental breakage occurs.
BaZing Benefits at Your Fingertips
Download the American First Advantage App
See Your Savings in Action
Take a 2-minute interactive tour to discover how easy it is to redeem discounts, access your benefits, and start saving with the American First Advantage App.
Platinum Advantage Interest Checking Rate
As of 08/12/2026
| Checking Account | Opening Deposit | APY* |
|---|---|---|
| Platinum Advantage Interest Checking ($0.01 - $1,499.99) |
$50 | 0.00% |
| Platinum Advantage Interest Checking ($1,500 and up) |
$50 | 0.10% |
*APY = Annual Percentage Yield. The rate may change after the account is opened and is accurate as of the last dividend declaration period. A minimum balance of $1,500 is required to earn interest. Balances under $5,000 minimum are subject to monthly service fees. Refer to Schedule of Fees & Services for details. Fees may reduce earnings.
*Value Proposition for Platinum Advantage Interest Checking with BaZing: $1,255.00. Total annual cost ($12.95/month) = $155.40. Total net annual value = $1,099.60. Value Proposition for Gold Advantage Checking with BaZing: $1,255.00. Total annual cost ($6.95/month) = $83.40. Total net annual value = $1,171.60.
1 Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals. 2 Subject to the terms and conditions detailed in the Benefit Reference Guide. 3 Insurance products are: NOT A DEPOSIT. NOT NCUA-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE CREDIT UNION. 4 Requires activation. 5 Billshark charges a one-time fee of 33% of any bill reduction savings. If you don't save money there is no fee - guaranteed.