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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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Can i open a checking account with only tax id number? 

Asked by: Andreavil
To open a Checking Account you’ll need your Social Security Number or Tax Identification Number, a government-issued photo ID like a driver’s license, state-issued ID or a military ID, and a way to make your $15 deposit (excluding Student Checking).
Answered by: Apple FCU
Date published: 2017-05-19

Does Apple refund other ATMs surcharges if you have Advantage or Investors checking?

Asked by: Rachel85
Thank you for your question regarding our ATM fees. Members with Investors and Advantage Checking receive FREE and unlimited non-Apple ATM withdrawals, meaning Apple FCU will not charge you a usage fee. Conversely, Apple FCU will not be refund foreign ATM surcharge fees imposed by other institutions. To see the terms and conditions relating to these accounts, please visit https://www.applefcu.org/Content/docs/disclosures/Disclosure_AdvantageChecking.pdf and https://www.applefcu.org/Content/docs/disclosures/Disclosure_InvestorsChecking.pdf .
Answered by: Apple FCU
Date published: 2017-05-19

How do I access cancelled checks?

Asked by: jbrad100
Because canceled checks don't clear our system for payment, there's unfortunately no way to view them. However, if you're referring to cleared checks, you can most easily view them within Online Banking. From the Quick History panel (beneath Balances), search either by check number, date, dollar amount or other factors. Should you need further assistance, please call 703-788-4800, option 2. If you're not yet enrolled in Online Banking, enroll 24/7 at https://online.applefcu.org/HBNet/App/Signon/NewUserOrForgotPassword.
Answered by: AppleFCU
Date published: 2017-04-25

How do I add checking to my current Apple FCU savings account?

Asked by: Anonymous
There's two fast, easy ways to add an Apple FCU Checking account. Simply: 1. Login to Online Banking at https://www.applefcu.org/AppleWeb and select 'Add an Account', then 'Deposits', from the main navigation. OR 2. Launch the Apple Federal Credit Union Mobile App and select the 'Apply/Add Account' button. The account setup wizard will walk you through the easy steps in just a couple of minutes. If you don't have Online Banking yet, enroll here: https://online.applefcu.org/HBNet/App/Signon/NewUserOrForgotPassword. The FREE App can be downloaded in either iTunes or Google Play.
Answered by: AppleFCU
Date published: 2017-04-20

hello, I opened a business account and would like to access it on line. How do I set it up to get the access on line?

Asked by: jurga
To request Business Connect Online access, please submit a secure email at https://www.applefcu.org/Onlineaccess/MessageCenter. A member of our business online team will reach out to you within one (1) business day following submission. We look forward to serving you!
Answered by: AppleFCU
Date published: 2017-04-18

Do you have any criteria for opening a checking account?

Asked by: Belma
All new Apple FCU Checking accounts are subject to a Telecheck review to ensure no outstanding items or charge-offs are present with another financial institution. Baring that, additional criteria may pertain depending upon the account selected, but our FREE A+ Checking has no further qualifications. For a comparison chart of all Apple Checking accounts, visit https://www.applefcu.org/Checking/CompareChecking.
Answered by: AppleFCU
Date published: 2017-04-17

Can it be over drafted and have the cosigner (my dad) be affected?

Asked by: Tristan
Yes, when someone is joint owner on your account, it means that you're both ultimately responsible for the account. That said, if you have our eXtras Student Checking account, most transactions will simply be declined if the funds aren't available.
Answered by: AppleFCU
Date published: 2017-03-17

It says that I get charged 2 dollars if I deposit cash. How about if I do direct deposit, is there a fee for that to?

Asked by: Eee5
There's no fee for Direct Deposit to your Apple FCU account, but we're unsure where you're seeing a $2 deposit fee for cash. Are you attempting a deposit through a non-Apple FCU ATM? In that case, their may be a foreign ATM fee. For additional assistance, please call 703-788-4800.
Answered by: AppleFCU
Date published: 2017-03-17
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