Personal Checking

Our Checking accounts give you more, and then some.
  • Get your paycheck one day early1
  • 24/7 account access with Digital Banking
  • A free bank account with all the features you're looking for, without the hassle

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

You need savvy technology and easy access to manage your money at a moment's notice. And you want to do all this without getting nicked with annoying fees and surcharges. Andrews Federal Credit Union, located in Washington, D.C., Maryland, Virginia and New Jersey, is ready to meet your high expectations.

Free Checking Account

The everyday bank account that you need to manage your money 

  • Manage and move money in our easy-to-use mobile banking app
  • Get your paycheck one day early with direct deposit*
  • Instantly send money to anyone who uses Andrews
  • No monthly fees and no minimum balance to worry about 
  • Deposit checks with a few taps using our mobile app
  • State-of-the-art security safeguards your sensitive information

Auxiliary Checking Account

Because seconds are always a good idea

  • Must already have an Andrews Federal checking account
  • The perfect place to keep money set aside for big purchases
  • Get your paycheck one day early with direct deposit*
  • Pay bills without having to touch your "fun money"
  • Instantly send money to anyone who uses Andrews
  • Manage your finances with our easy-to-use banking app without ever having to step into a Washington, D.C., Maryland, Virginia or New Jersey branch

Advantage Checking Account

The spending account that can earn dividends

  • Earn competitive dividend rates on account balances over $1,500
  • Manage and move money in our easy-to-use Digital Banking
  • Opt in to free electronic monthly statements
  • Get your paycheck one day early with direct deposit*
  • $10 monthly fee applies if balance falls below $1,500

Visa® Debit Card

The perfect card for all your purchases

  • Manage your debit card on-the-go with Digital Banking. It's easy to enable or disable your debit card, report it lost or stolen, and set a travel notification.
  • Sync your debit card to Apple Pay, Samsung Pay, or Google Pay in mere seconds. Then, use your smartphone's digital wallet app to pay with a tap or wave at the checkout terminal.
  • Withdraw up to $1,000 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
  • You won't be held responsible for any unauthorized charges if your Visa debit card is lost, stolen or fraudulently used, online or offline. 
  • View Terms and Conditions for coverage for your debit card purchases

View the new Contactless Visa Debit Card now available


To place a freeze on your debit card, log into digital banking and go to 'Card Services', and then go to 'Card Management', and go to Enable/Disable Card. 

Log in to Digital Banking, and go to the Account Services/Re-Order Checks.

Sign your name on the back of the check and write "For Mobile Deposit to Andrews Federal". Then, log into the Andrews Federal mobile app and tap 'Deposit Check'; place your check on a flat, dark surface, tap the camera icon, and follow the prompts. 

Yes, complete the "Authorization for Direct Deposit to Andrews Federal Credit Union" form located in the "Learn" section of this website and return it to your employer or to the agency responsible for your payments.

Our routing number is 255074111.

To reset the PIN on your debit card call 1.866.985.2273.

No, but we offer a variety of no-fee options. Just click on "Branches and ATMs" under the "Access" section on the home page. And, use the locator to find the nearest Andrews Federal or CO-OP ATM and avoid a possible $1 fee.

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