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 Digital Banking
  • 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.

Advantage Checking

The spending account that can earn dividends

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

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 Digital Banking
  • 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

Visa® Debit Card

The perfect card for all your purchases

  • 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
  • View Terms and Conditions for coverage for your debit card purchases


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. 

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.  

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.

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

Love My Credit Union® Rewards

Sharing the wealth with special rewards.

Loyal credit union members enjoy more.