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Andrews Federal Credit Union
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Free Checking Account

No sneaky fees. No strings attached. When we say "free", we mean "free".
  • Get paid early with direct deposit1
  • Full-service account with no monthly fee
  • Members with an Andrews Federal Credit Union Free Checking account save $88 on average each year2
  • CO-OP ATM network offers nearly 30,000 no-fee ATMs, covering all 50 states and 10 countries3
  • Your checking account comes with a free Visa® Debit Card
  • Time-saving digital banking tools

Pay nothing at all. Get everything you need.

Forget about confusing fees. We will never charge you for using your own money.

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See if these numbers work for you.

While the spotlight is on this account's $0 in monthly fees, you'll also enjoy 24/7 access when you log in from our app or your desktop, without ever having to step into a Washington, D.C., Maryland, Virginia, or New Jersey branch. Plus, grab cash when you need it at nearly 30,000 no-fee ATMs, covering all 50 states and 10 countries.3

  • No monthly fees or minimum balance to worry about
  • Get your paycheck one to two days early with direct deposit1
  • Make fast purchases or withdraw cash with a free Visa® Debit Card
  • Move money, set up notification alerts, and manage your accounts in our easy-to-use mobile banking app
  • Instantly send money to anyone you know, and trust
  • Deposit checks right from your smartphone
  • State-of-the-art security safeguards your sensitive information

Andrews Federal Credit Union is a full-service financial institution with stateside locations in Washington, D.C., Maryland, Virginia, and New Jersey and overseas locations in Germany, Belgium, and the Netherlands.

STILL HAVE QUESTIONS?

In Online Banking, click on the "Order Checks" tab, select your account from the dropdown and then submit.

You may visit any of our branch locations to change your pin number on the spot or you can call our Contact Center at 800-487-5500 and have one sent in the mail. This typically takes about 7-10 business days. Finally, members can self-select their debit PIN by calling 866-985-2273 and answering a series of authentication questions. 

Our routing number is 255074111.

Yes, Privilege Pay is our overdraft program that is offered at our discretion and allows you to withdraw more than your account balance for a short period of time in order to cover unexpected emergencies. In essence, we advance you the money you need to pay for the items by allowing your account balance to go temporarily negative.  We charge you a $32.00 fee for each item cleared in this manner, although there is a cap to how much your account will be charged in Privilege Pay fees ($224.00/day and $750/month). We also offer Overdraft Line of Credit, which is a loan product that is linked to your checking account and will automatically transfer available funds to cover any insufficient funds items that are presented for payment.  Each such transfer to your checking is an advance against your Line of Credit and increases your loan balance.  While there are no fees for the transfers themselves, you will pay interest on any outstanding Line of Credit balances.  If you pay off the Line of Credit balance on the same day that it is advanced, you will not be charged any interest.

You should call our Contact Center at 800-487-5500 or visit your local branch to place a stop payment on the series of checks. It is strongly advised that you work with a representative to close the account and open a new one. 

You can place a stop payment on a check in Online Banking by selecting the account the check was written on and then "Stop Payments". In the Mobile App select "Make a Stop Payment".  These options are free of charge. You may also contact us at 800.487.5500.  Please note that a $25 stop payment fee will be applied.  To stop a payment for an ACH, visit our "FORMS" section of this website and complete the ACH Stop Payment form.

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1Early access to direct deposit funds depends on timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be 1-2 days earlier than the payer’s scheduled payment date.

2 Fee comparison is accurate as of 01/16/2021. National average as reported by Datatrac.

3 1,850 are located within restricted access facilities.