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.

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Totally Free Checking

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Totally Free Checking - our most popular checking account!

Features Include:

  • No minimum balance
  • No monthly service charge
  • Free first order of checks
  • Free debit card
  • Welcome gift
  • Available for youth savers to start spending smart^

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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

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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
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Connect your card to your Apple Device using Apple Pay®
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Protect your purchases using CardValet®
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Make digital payments using Zelle®
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Personal Checking Rates

As of 10/24/2020

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


Easy Interest Checking $50


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.


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