Smart Checking | Atlantic Federal Credit Union
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Routing #: 221276370

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Smart Checking

Smart Checking has no monthly fees and requires no minimum balance. Smart, right?

To open a Checking Account, click "Open an Account Now" or download an application to fax or mail in. Be sure to indicate whether you want a debit card.

E-mail the application as an attachment to or fax to us at 908-259-3067.


Download and send in your application

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.