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Home » Personal Banking » Checking » Accounts
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Unique Options. Free Services. Custom Fit for You.

Manage your money your way, no strings attached. FREE A+ Checking is available to all members.

Features:
  • No monthly fees or service charges
  • No minimum balance requirement
  • FREE Visa® Debit Card
  • FREE Xpress Yourself™ Debit Card
  • FREE Mobile Banking, Text Banking and Android, iPad & iPhone Apps
  • FREE Online Banking, Bill Pay and eStatements
  • Access to more than 53,000 Surcharge-FREE ATMs nationwide*
  • Unlimited check writing
  • FREE initial box of Apple logo checks.

Fees & Terms

Ask a Question about our A+ Checking Account

Compare Your Checking Account Options

It’s easy to move your accounts from another financial institution with Apple’s FREE SwitchKit.

Loyalty pays with Advantage Checking. Earn dividends on your entire Checking balance, plus much more.

Features:
  • Great dividend rate that pays monthly
  • No monthly fee (account requirements apply)*
  • FREE Visa® Debit Card
  • FREE Xpress Yourself™ Check Card
  • FREE Mobile Banking, Text Banking and Android, iPad & iPhone Apps
  • FREE Online Banking, Bill Pay and eStatements
  • Access to more than 53,000 Surcharge-FREE ATMs nationwide*
  • FREE and Unlimited non-Apple ATM withdrawals**
  • FREE Apple logo checks (one FREE box per calendar year)

Fees & Terms

Ask a Question about our Advantage Checking Account

Compare Your Checking Account Options

It’s easy to move your accounts from another financial institution with Apple’s FREE SwitchKit.

Choose One of These Three Easy Ways to Qualify!

  1. Have a monthly direct deposit of $1,000 or more into your Savings or Checking account
  2. Have an open Summer Pay Account
    OR
  3. Maintain at least a $20,000 combined Savings and Loan balance (including mortgage).

An initial deposit of $15 is required to open this account.
*$10 monthly fee waived for members who have a direct deposit of at least $1,000 per month, have an open Summer Pay Account or maintain combined Savings and Loan balance of at least $20,000. **Some institutions may impose a surcharge.

Get the basics you need with the benefits you crave. Plus, your FREE eXtras Visa® Debit Card makes getting cash and making purchases both quick and easy. It’s your money… manage it your way.

Features:
  • No monthly fees or service charges
  • No minimum balance requirement
  • FREE eXtras Visa® Debit Card
  • FREE Xpress Yourself™ Check Card
  • FREE Mobile Banking, Text Messaging and Android, iPad & iPhone Apps
  • FREE Online Banking, Bill Pay and eStatements
  • Access to more than 53,000 Surcharge-FREE ATMs nationwide*
  • Two FREE, non-Apple ATM transactions per month*.

Fees & Terms

Ask a Question about our eXtras Student Checking Account

Compare Your Checking Account Options

It’s easy to move your accounts from another financial institution with Apple’s FREE SwitchKit.

Qualifying for eXtras Student Checking is Easy!

Must be a student 12-23 years of age** and enrolled in eStatements.

*Some institutions may impose a surcharge
**A parent/guardian must remain a joint-member on the account until the student reaches 18 years of age.

This high-dividend earning Checking account rewards you for building a solid investment foundation.

Features:
  • Premium dividend rate (on balances up to $20,000*/no minimums)
  • No monthly fees or service charges
  • FREE ANYWHERE ATMs– we refund any charges**
  • FREE, NO FEE Visa® Debit Card
  • FREE Xpress Yourself™ Check Card
  • FREE Mobile Banking, Text Banking and Android, iPad & iPhone Apps
  • FREE Online Banking, Bill Pay and eStatements
  • FREE Apple logo checks (one FREE box per calendar year).

Fees & Terms

Ask a Question about our Investors Checking Account

Compare Your Checking Account Options

It’s easy to move your accounts from another financial institution with Apple’s FREE SwitchKit.

Qualifying for Investors Checking is Easy!

Simply maintain a minimum monthly balance of $25,000 in investment products (i.e., stocks, bonds, mutual funds, annuities, 529 plans, etc.) with Apple Financial Services LLC¹. Learn more about our financial advisors today.

An initial deposit of $15 is required to open this account.

1Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer, (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Apple FCU has contracted with CFS to make non-deposit investment products and services available to credit union members. Apple Financial Services LLC is a subsidiary of Apple FCU and is not directly affiliated with CFS. Tax preparation services are not affiliated with CFS. CFS and its Representatives do not provide tax advice. A qualified professional should be consulted for specific individual tax or legal guidance.

Fees & Terms

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What do you mean by Excessive Items Fee Per Month

Asked by: Josea
This fee applies to Apple FCU Commercial Checking accounts only. Depending on the product selected, you are permitted a certain number of items per month. Any items in excess of that established amount, will be assessed a fee per item. For more details, visit https://www.applefcu.org/Commercial/Checking. This fee does not apply for personal checking accounts.
Answered by: AppleFCU
Date published: 2017-08-01

When do I get my free box of checks?

Asked by: J2222
Checks typically arrive within 7-10 business days from when the order is submitted. For specifics as it relates to your account, please call 703-788-4800.
Answered by: AppleFCU
Date published: 2017-07-26

Can I use direct deposit? If so, how?

Asked by: J2222
Apple FCU Direct Deposit is one of the many benefits available to our members. To learn more about setting it up with your employer, visit https://www.applefcu.org/Appleweb/DirectDeposit. We look forward to serving you!
Answered by: AppleFCU
Date published: 2017-07-17

If I have a student checking account, can I receive checks? How much would it cost??

Asked by: Apple FCU member
Yes, you can get checks for your Apple FCU eXtras Student Checking at the branch free of charge. To find a location near you, visit https://www.applefcu.org/Appleweb/Locations.
Answered by: AppleFCU
Date published: 2017-07-12

Is there a required deposit to open the account, or it can open with no deposit. 

Asked by: Andree
Thank you for your inquiry! To open your account, please visit any Apple FCU Branch to complete a membership application. Please plan to make a minimum deposit of $5 to a regular Savings account to establish your membership. We’ll also ask to see your driver's license or other proof of identity. We may also ask to see other identifying documents like a school ID, passport and/or Social Security Card.
Answered by: Apple FCU
Date published: 2017-08-16

Is there a minimum balance requirement for the Advantage checking account?  Is it possible to change a current A+ checking account into an Advantage one?

Asked by: phosphoros_ix
There's no minimum balance requirement for an Apple FCU Advantage Checking. The only requirement, in order to enjoy two of the account's premium benefits (earn dividends, FREE and Unlimited non-Apple ATM withdrawals) and avoid a small monthly fee, is to have a direct deposit of at least $1,000 into the account monthly. For complete details, visit https://www.applefcu.org/Checking/Accounts#tab2. To update an existing Checking account type, please call 703-788-4800 or stop by your local branch. We look forward to assisting you!
Answered by: AppleFCU
Date published: 2017-06-23

Does the parent/legal guardian have to open an account at the credit union themselves in order for a minor to get a student checking account?

Asked by: Anonymous
The parent is not required to open their own separate account to be Joint on their student's account. You may find you wish to do that for supreme ease of transferring money between accounts, but it's not required. You will have to remain Joint until the student reaches 18 years of age. We look forward to serving your family!
Answered by: AppleFCU
Date published: 2017-06-20

what is needed to open a extras student account? 2.can it be done online? 3. can she use her student ID?

Asked by: CLD3
If she's already a member of Apple FCU, adding an eXtras Student Savings is as easy as clicking 'Add a Product' within Online Banking. If not, and her high school has an Apple FCU Student-run Branch, she'll need only to complete the application at that branch (enrollment at the school is sufficient for ID). If you'll be opening at an Apple FCU Branch, please bring her student ID and birth certificate.
Answered by: AppleFCU
Date published: 2017-06-19
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