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Benefits Plus Checking

BenefitsPlus® Checking is our value added account that offers discounts and savings on many services including restaurants, air travel, hotels, cruises, movie tickets, department stores and theme parks.

Everyone who opens a Free Checking Account automatically receives a free trial of Benefits Plus® for up to 3 months (number of free days in the first month is determined by the account opening date). This account is always free for Premier Members. After the free trial, Enhanced and Value Members pay $3 per month.

You may opt out of Benefits Plus® at any time and switch to free checking by calling or e-mailing us with the subject heading "Remove Benefits Plus." Please include your first and last name and account number.

Features

New Membership Application

Courtesy Pay

Opt in to Courtesy Pay now so you'll have continuous protection.

Our Courtesy Pay program is a benefit for all Members with checking accounts (with additional benefits for Premier and Enhanced Members).

Please note: Courtesy Pay may only be added to an account after 90 days if the account has been "active" (ex. Direct Deposit, debit card transactions, ACH, etc.)

Courtesy Pay helps you avoid the embarrassment and inconvenience of unnecessary merchant fees when an item is returned for insufficient funds.

If you opt in, besides paying your checks and preauthorized debits, Courtesy Pay will also cover debit card purchases and ATM withdrawals when your account has insufficient funds. If you do not opt in, we decline ATM and debit card transactions when you do not have enough money in your account to cover them.

The opt in rule does not apply to Courtesy Pay coverage on checks or automatic bill payments that you have set up to pay your mortgage, rent or utilities. We automatically provide overdraft services for these types of transactions. If you do not want overdraft services in these instances, please call the Credit Union.

Courtesy Pay is only accessed after all other account sources are exhausted, i.e. transfer from available funds in Savings or Overdraft Line-of-Credit.

Premier Members are covered to $750 by Courtesy Pay. Enhanced members receive up to $500 in coverage and Value Members get $300. All allowable limits include Courtesy Pay fees.

You have 15 calendar days from the date each covered transaction is posted to your account to repay the transaction amount and Courtesy Pay fee. Failure to repay by day 16 will result in a late fee.

Frequently Asked Questions about Courtesy Pay

Direct Deposit & Payroll Deduction

Payroll, Social Security, pension, stock dividends and expense reimbursements are all eligible for direct deposit.

You will need:

  • AFCU Routing number 221276370
  • Your AFCU account number
  • Specify where you want the funds deposited (Savings, Checking, etc.)

For your convenience, download the Direct Deposit Authorization Form and submit it to your Human Resources department.  If further information is required, they can contact us.

  • Member Services representative at the Kenilworth branch, Tammy, is amazing. She is knowledgeable, helpful, and most important to me: extremely courteous. Tammy deserves a huge shout-out!
    Leta
  • Always a great experience with the employees. The tellers always offer help or suggestions. Ginny, Nara, and Donna are awesome!
    Ivy
  • I want to thank you, Adam for all your work with my loan app. You have been such a blessing to me. You are an asset to the Credit Union.

    Viola
  • The best Credit Union I ever used!
    Eugene
  • What a great Credit Union…even before I was a member I felt welcomed. I love the customer service, your mobile app and your services.  Keep up the excellent work, you have me as a member for life.
    Kirkston
  • I've been with Atlantic Federal for more than 20 years. Great customer service  and I love the Holiday and Vacation Clubs.
    Wanda
  • Thank you! Great customer service, great products! I left the “big” banks; now Atlantic Federal is my primary bank.
    Ty
  • I’ve been an Atlantic Federal member for years!  I'm very satisfied with the service.
    Nelly
  • I’ve been a member of MY CREDIT UNION since 2001.  I wouldn’t EVER go anywhere else.  Atlantic Federal is my family.  There are too many pleasant and courteous staff members to try to name!
    Chamecca
  • Very good place to bank at – loans have very low interest and the Atlantic Federal staff is so easy to deal with. Great service!
    LaQuan
  • My experience with Atlantic Federal has been exceptional!  I have told anyone who will listen how great the Credit Union's service is.

    Halima
  • Working with you guys was basically a complete 180 from working with the last bank…so thank you again and we will absolutely be recommending you to all of our friends who are looking for mortgages.

    Heather
  • Yvana has been my go to person at the Credit Union for many years.  I know that whenever I have an issue I can always call on her at any time and she won't hesitate to help me out. Recently, my debit card was compromised and I noticed it after business hours so I wasn't sure of the proper protocol.  I called Yvana, she walked me through the entire process and I came in the next morning to resolve the issue with Eileen, who was also a great help.  The Credit Union is lucky to have such dedicated employees.

    Justin
  • I was worried about how I was going to fund some of my daughter's college tuition. Well thank goodness for Ms. Magaly. She told me to sit down, relax and explain my needs. I was truly expecting to be denied once again like at one of those banks that I've dealt with in the past.  Then she said "We have a loan that fits your needs and you qualify!"  All my worries suddenly went away. I can say that she definitely puts the members first.

    Nathaniel
  • I made it to the Kenilworth branch just before the 5 pm closing.  Even though it was late, Roberto patiently processed my loan – I’m sure on his own time. Then there’s Karina, who is so helpful and always has a smile. If I had a company, these people would be working for me!  You’re lucky to have staff members of this caliber!

    Ed
  • I am writing today to commend Lynn and express my gratitude for the high quality customer service she always provides whenever I call the Credit Union.  She is professional, courteous and patient.  I can feel her smile each and every time we talk on the phone.

    Elissa
  • I recently had an emergency and needed a Home Equity loan quickly.  My initial contact was with Aida and the loan was finalized by Sabrina.  This was a very stressful time for me and both of these women were professional, patient, knowledgeable and considerate. They answered all of my questions, explained the various options as well as the process.  They are an asset to the Credit Union.

    Sandra