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.

Free Checking

The everyday account that you need to manage your money 

  • Manage and move money in our easy-to-use app
  • Get your paycheck one day early with direct deposit*
  • Instantly send money to anyone who uses Andrews
  • No monthly fees or 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

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 app

Advantage Checking

The spending account that can earn dividends

  • Earn dividends 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


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.