Share Draft Checking Account
Our Share Draft/Checking accounts have:
No minimum balance
No monthly service charge
No per check charge
The AAFCU Visa Debit Freedom Card is available for:
ATM withdrawals
Use like a Visa Credit Card, BUT…Funds are withdrawn from share/draft checking account.
Has your Visa card been lost or stolen? Contact AAFCU immediately. If the office is not open, please call 1 (800) 991-4961 for Visa Credit or 1(800) 472-3272 for Visa Debit immediately.
Payroll Deduction
With Payroll Deduction, our members can choose to have a portion of their paycheck deposited to their savings or checking account(requires employer participation).
Direct Deposit
Direct Deposit allows our members to have their entire paycheck directly deposited to their savings or checking account (requires employer participation).
Discretionary Overdraft Privilege
Members in good standing with Armstrong Associates Federal Credit Union may be eligible for Overdraft Privilege on their Share Draft Checking Account. If an eligible member should inadvertently overdraw their share draft checking account, AAFCU has the discretion to cover the overdraft, saving embarrassment and additional fees charged by the merchant. There is no charge for this service unless it is used to cover an overdraft. Members may choose to opt-in to having ATM and everyday debit card transactions also covered by the Overdraft Privilege program. Members may also opt out of this service entirely if they wish by contacting AAFCU. Complete details of this policy are available in any AAFCU branch location, or here. Read the full overdraft policy.
Electronic Funds Transfer Agreement
Automatic Transfers
We can assist you in setting up automatic transfers between your accounts at AAFCU on whatever terms work for you. For example, automatic transfers to savings, Christmas Club, or a loan payment. You can also set up automatic, recurring transfers through Virtual Branch if you prefer.