Personal Checking

Totally free features make it more fun to manage your money.
  • Free Visa® Debit Card for instant purchasing power 
  • 24/7 account access with Online Banking and our Mobile App
  • All the features you're looking for without the hassle

It's the 21st century. We know what you expect from us.

You want access to services, tools, and technology that let you get at your money at a moment's notice and move it to where it needs to go in just a few minutes. And you want to do all this without getting nicked with annoying fees and surcharges. We're ready to meet your high expectations.

Free Checking

The everyday account that you need to manage your money

  • No monthly fees or minimum balance to worry about 
  • 24/7 account access via Online Banking and our Mobile App
  • Stay on top of your money with free electronic monthly statements
  • Early Pay Day feature gives you access to your money a day early, when you sign up for direct deposit

Advantage Checking

See how much you can earn for spending

  • Earn higher dividends on account balances over $1,500
  • 24/7 account access via Online Banking and our Mobile App
  • Stay on top of your money with free electronic monthly statements
  • $10 monthly fee applies if balance falls below $1,500

Visa® Debit Cards

The perfect card for all your purchases

  • Withdraw up to $500 from ATMs on any one day
  • Using the card with your PIN, you can make daily purchases up to $1,000
  • If you use your card like a credit card and sign for your purchases, the daily limit rises to $3,000

STILL HAVE QUESTIONS?

You can set up debit card alerts in Online Banking under the "Options and Extras" tab.

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

If you did not receive the services that you expected and paid for, or if the amount that is charged differs from your expectation, contact us at 800.487.5500 and our team will help you with filing a dispute claim. 

Yes, to freeze your debit card, log into Online Banking, select the Options and Extras tab, and click the Debit Card Controls option.

Select "Deposit Money" from the Mobile App. Choose the account to deposit funds to, enter the dollar amount of the check and simply snap a photo of the front and back of your check, then follow the prompts.

To order a replacement card online, visit the "Common Tasks" area of the "Cards" section of the home page and select the Report a Lost or Stolen Card option.  You may also contact us at 800.487.5500.

The daily ATM cash withdrawal limit is $500.  For Point of Sale (POS) purchases where a PIN is required, the daily limit is $1,000.  For POS purchases that do not require a PIN, the daily limit is $3,000.  There is a limit of 25 Visa purchase transactions per day. 

You can change your Debit Card PIN number by calling 866-985-2273 and answering a series of authentication questions. Visit a branch location, or call our Contact Center at 800-487-5500, to have your PIN sent in the mail;  this typically takes about 7-10 business days.  

Our routing number is 255074111.

Log into Online Banking and click on "eDocuments" to find your last 24 account statements.

If the check is drawn from an Andrews Federal account, the funds will be available on the first business day after we receive your deposit.  If the check is a personal check from an outside institution, the first $200.00 will be available on or before the first business day after we receive the deposit.  The remainder (up to $5,000) will be available no later than the 2nd business day after the day we receive your deposit, and the remaining funds over $5,000 will be available no later than the 7th business day after the day we receive your deposit.  For more detailed information, please review our Funds Availability policy in the "Learn" section of this website.

Yes, you may have a Free Checking Account and an Advantage Checking Account, however the option to have 2 of the same type of checking account (e.g., 2 Free Checking accounts) is not available. 

You can set up many different types of alerts to assist with managing your account(s) in Online Banking by clicking the "About Me" tab.

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 an 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.

To submit a wire, complete the Bank to Bank Wire Request Form, on the "Forms" section of this website.  Incoming wires to your Andrews Federal account are $15, outgoing domestic wires are $25 and outgoing international wires are $35.

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.

No, but we offer a variety of surcharge-free options. Just click on "Branches and ATMs" under the "Access" section on the home page.

You may visit any of our branches, along with proof of name change. Such as marriage certificate, SSN card, or government issued document. You may also send a secure message through your online banking and upload your documents and a representative will review and follow up with you shortly.

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