Simple. Smart. Stress-Free Checking.
No confusing terms. No hidden fees. Just the tools you need to stay confident and in control of your finances with options for everyone, no matter where you are in life.
Getting started is easy, online or in person.
Once you’re in, you can set up direct deposit, enroll in digital banking, and start managing your money your way.
A straightforward account built for everyday life.
Features:
No monthly service fees.
Keep your money where it belongs: with you.
No minimum balance requirement.
And just $50 is all it takes to open your account.
Dividends on your balance.
Earn more as you go.
Full-Service Digital Banking.
Pay bills, move money, and track spending anytime.
Visa® Debit Card with optional savings round-up.
Use anywhere and automatically save while you spend.
Apple Pay®, Google Pay™, and Samsung Pay™
for easy contactless payments.
Overdraft Protection available.
We’ve got your back when life happens.
Shared Branching.
Access your account at thousands of credit-union locations nationwide.
Minimum to open: $50 | Current Rate: 0.05% APY | Rates effective March 1, 2026 | Schedule of Fees
Heading to college or starting your first job? Take ATFCU with you.
Our accounts make managing money easy with flexible access, no monthly fees, and the tools you need to stay on top of your finances wherever life takes you.
Features:
For ages 18 and older
Perfect for students and young professionals.
Full-Service Digital Banking
Pay bills, move money, and track spending anytime.
Visa® Debit Card with optional savings round-up
Spend and save at the same time.
Apple Pay®, Google Pay™, and Samsung Pay™
Fast, contactless payments anywhere.
Overdraft Protection available
Coverage when you need it.
No monthly fees or minimum balance requirement
Simple and stress-free.
Dividends paid on balance
Earn while you spend responsibly.
Minimum to open
$5 (savings) | $50 (checking)
Minimum to open: $50 | Current Rate: 0.05% APY | Rates Effective March 1, 2026 | Schedule of Fees
Simple, Fee-Free, and Easy to Manage.
The simplicity of our standard checking, plus free checks and dividends on your balance — no monthly fees, no hassle.
Features
Free club checks.
Get the essentials at no cost, whenever you need them.
No monthly fees or minimum balance requirement.
Enjoy true freedom and flexibility.
Visa® Debit Card with optional savings round-up.
Use anywhere and automatically save while you spend.
Apple Pay®, Google Pay™, Samsung Pay
for easy, contactless payments.
Full-Service Digital Banking.
Access your account 24/7 with easy online tools.
Dividends on your balance.
Earn while you spend, every month.
Overdraft Protection.
We’ve got you covered when life happens.
Shared Branching.
Access your account at thousands of credit-union locations nationwide.
No-Cost Retirement & Insurance Consultation.
Plan confidently for every stage of life.
Minimum to open: $50 | Current Rate: 0.05% APY | Rates Effective March 1, 2026 | Schedule of Fees
Getting started is easy, online or in person. Open your account online, or stop by the branch near you.
