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personal checking

Take 2 Checking

If you've been unable to open a checking account due to negative history in ChexSystems, our Take 2 Checking^TM could get you back on track. Rebuild your credit and move to a regular checking account after 6 months of good standings.

Managing your account is simple using online, mobile and telephone banking.

Features

You may be able to move to regular checking after 6 months if account doesn't have any:
- Non-sufficient funds (NSFs)
- Return items
- Negative balances
Low monthly service charge (See Fee Schedule )
Free Visa^® debit card
Lower monthly debit and ATM withdrawal limits
Free Online Banking and Bill Pay
Free Mobile Banking
Free E-Statements
Call the Credit Union for your first check order. Subsequently, you can order checks here.

Download an 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.

[Tammy was very nice, as she professionally explained company procedure to me. Even though I didn’t totally agree at the first, I then understood how the Credit Union strives to protect the safety of our members' accounts.]

Joe C.
[April] Thank you for your help the other day with my account. I just wanted to say that the way the Credit Union is operating now is very convenient. I like having an appointment as it eliminates waiting to see a teller or a representative and is much more organized.

Regina
My husband and I have been long standing members of Atlantic Federal Credit Union. We needed a patient, thorough and professional person to assess our {needs}. Adam embodied all of these characteristics and more!! He was always responsive and guided us through the entire process. Even during Covid practices, I never once felt that the personal touch was lost. We are extremely happy with the process and proud to be a member.

Clyde & Jacqueline
Atlantic Federal Credit Union, you have Always been available when I needed You!!
Onee
Thank you so much for taking the time to show us how much your organization cares. This is why me and my family bank with your organization!

Sonia
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