Checking & Electronic Services

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It's the right time to change to an AFCU checking account. These days every penny counts and we can help you make the most of your money with one of our checking accounts. They offer all the convenient electronic services you want like debit cards and online banking without a mountain of fees. Choose from No Minimum Balance Checking, Dividend Checking or Scholar Checking.

  No Minimum Balance Checking Dividend Checking Scholar Checking
Monthly Service Fee None Yes, if balance falls below $100 None
Dividends None Yes, with $100 minimum balance Yes, with $100 minimum balance
Monthly ATM/Debit Card Fee None None None
Nationwide Access to ATMs Yes, see logos below Yes, see logos below Yes, see logos below
Same Day Deposit Credit Yes, in most cases Yes, in most cases Yes, in most cases
Phone Banking Yes Yes Yes
Online Banking Yes Yes Yes
Mobile Banking Yes Yes Yes
Bill Pay Services Yes Yes Yes
eStatements Yes Yes Yes
Account Transfers Yes, limits may apply Yes, limits may apply Yes, limits may apply
Automatic Drafts Yes Yes Yes
Cost of Checks Prices vary* Prices vary* Free Classic Checks
Overdraft Protection Yes, see Overdraft Protection options below Yes, see Overdraft Protection options below Yes, see Overdraft Protection options below

* Members age 55 and above receive free classic checks with No Minimum Balance Checking or Dividend Checking.

Frequently Asked Questions

How long does it take to receive my ATM/Debit card?

It should arrive within 7-10 business days after your request.

What should I do if I have forgotten my debit or ATM PIN number?

Call 1-866-985-2273 from the phone number associated with your account to reset your PIN number. For security purposes, AFCU employees do not have access to member PINs.

What is AFCU's routing number?

253 278 139

How can I report my AFCU debit or ATM card lost or stolen after hours?

Call 1-800-523-4175

What are the phone numbers for CALL 24?

864-296-5010 or 1-800-782-7290

What is my CALL 24 PIN?

Your CALL 24 PIN is the last four digits of the primary account holder's Social Security number unless you have changed it.

What account number should I use to access my account information on CALL 24?

You must use your membership number, which is your savings account number.

Direct Deposit/Payroll Deduction

If available through your employer or government agency, your check may be electronically deposited and distributed into your accounts. If direct deposit is not available, some employers have agreed to offer payroll deduction. This means your employer will mail deposits to your account each pay period.

ATM/Debit Cards


Receive a free ATM/Debit card to access your checking funds 24 hours a day. Use your card to make withdrawals nationwide at ATMs displaying any of the logos listed above. The debit card can also be used anywhere VISA is accepted.

Phone & Online Banking

Get free 24 hour access to your account through CALL 24, our phone banking system, at 864-296-5010 or 1-800-782-7290. Online Banking is available at These systems will give you information on account balances, deposits, withdrawals, and cleared checks. You can also transfer funds between accounts or make loan payments.

Bill Pay Services

Save time by paying your bills online with free bill pay services through CheckFree.

* You must be a registered online banking user to enroll in Bill Pay services.


Choose to receive monthly paper statements or e-statements.

Overdraft Protection Plans

Plan ahead to avoid any returned items on your account. Three different options are available to handle these situations.

Overdraft Savings

With your authorization, this plan will allow us to withdraw funds from your savings account to cover the amount of the overdraft. There is no fee for this service and credit approval is not required. However, there are limitations onthe number of transfers that are allowed each month.

Overdraft Protection Loan

With credit approval, funds from this line of credit will automatically be deposited into your checking account when needed. There is no fee for this service. You will simply pay interest on the loan based on the amount of money used and the number of days you use it. A monthly payment will be deducted from your account or you may choose to pay the loan in full at any time.

Overdraft Privilege

This plan does not require an application or credit approval; however other requirements must be met. This plan will pay a check and ACH items when funds are not available by allowing your account to become overdrawn. Your account will still be charged the standard overdraft fee of $34 for handling each item, which is the same fee that AFCU charges for items drawn against insufficient funds and returned to the payee. Please be aware that Overdraft Privilege is not a line of credit and this notice does not constitute either a written agreement of an obligation or a prearranged agreement to pay your overdraft.

 This service will not authorize and pay overdrafts for ATM transactions or everyday debit card transactions unless you complete the attached form and return it to an AFCU branch.

 Overdrafts are paid at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined or returned and our standard overdraft fee of $34 per item will be charged.

 What fees will I be charged if AFCU pays my overdraft under the Overdraft Privilege plan?

Under our standard overdraft practices, a $34 fee will be charged each time we pay an overdraft.

 What if I want AFCU to authorize and pay overdrafts on my ATM and every day debit card transactions?

Call or stop by the nearest branch to request an authorization form.



Federally Insured by NCUA