⚠️ TEXT MESSAGE SCAM ALERT ⚠️

Please be aware that ATFCU will never ask for personal information, login credentials, or verification codes via unsolicited text message, email, or phone. If you receive an unsolicited phone call or message claiming to be ATFCU asking for account/card numbers, user names, passwords, verification codes, or other personal information, please do not respond.
Instead, contact ATFCU directly at 800-404-6008 and speak with Member Service. If you have given out your account number, Visa credit/debit card, or other information, please contact ATFCU immediately.

Login / Pay

Personal Checking

Simple. Smart. Stress-Free Checking.

A man sitting at a desk is working on his laptop, and also looking at his smartphone which he is holding

Know your money is safe, easy to access, and ready when you need it.

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.

  • Choose your checking option.
  • Gather your ID and $50 opening deposit.
  • Apply online or stop by your nearest branch.

Once you’re in, you can set up direct deposit, enroll in digital banking, and start managing your money your way.

Open Your Account

Everyday Checking/Share Draft

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™
Fast, contactless payments anywhere.

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 current as of April 23, 2026 |  Schedule of Fees 

Open an Account

*“APY” stands for Annual Percentage Yield.  APY is accurate as of April 23, 2026. Rates subject to change without notice. Dividends calculated daily, compounded monthly. Fees could reduce earnings.

College & Career Accounts (Ages 18+)

Open an Account

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 current as of April 23, 2026 | Schedule of Fees 

*“APY” stands for Annual Percentage Yield.  APY is accurate as of April 23, 2026. Rates subject to change without notice. Dividends calculated daily, compounded monthly. Fees could reduce earnings.

Senior Checking (Age 55+)

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™, and Samsung Pay™
Fast, contactless payments anywhere.

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 current as of April 23, 2026 | Schedule of Fees 

Open an Account

*“APY” stands for Annual Percentage Yield. APY is accurate as of April 23, 2026. Rates subject to change without notice. Dividends calculated daily, compounded monthly. Fees could reduce earnings.

Explore More

Open Your Account in Minutes

Getting started is easy, online or in person. Open your account online, or stop by the branch near you.

Open Your Account

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