Online Checking

Everyday money management for a digital era
  • 24/7 account access with a long list of free features1
  • Use electronic Bill Pay to make on-time bill and loan payments
  • Manage your money on-the-go with our user-friendly mobile app
  • Access your paycheck faster with Early Direct Deposit2
  • Chase down your goals with Round Up Savings 

Get the momentum you need, for the future you want.

It’s sleek. It’s streamlined. It’s everything you’re looking for. You’re not into the paper thing anymore. You don’t want to write checks, shuffle pages of monthly statements, or create more clutter. We get it. And we’ve designed an account that’s in tune with your online lifestyle. Pay bills, deposit checks, transfer money – and more – with just a few strokes of your laptop keyboard or mobile device keypad.


The lightning-quick way to move your money  

  • Enjoy a hassle-free experience with Digital Banking, our Mobile Banking App and many other time-saving features.
  • Enroll in Round Up Savings where every debit card payment gets rounded up to the nearest dollar and the spare change is moved from your checking to savings account. (You must use free Digital Banking to enjoy this feature.)
  • Get paid one day early with our free Early Direct Deposit service.2
  • Connect your Contactless Visa® Debit Card to your smartphone’s Digital Wallet for touchless one-tap payments.
  • Make quick, on-time payments using Bill Pay in Digital Banking or our mobile app.
  • Manage and move money with our user-friendly Mobile App.
  • Use your mobile device camera and our app to deposit checks from anywhere
  • Use Zelle® to send or receive money electronically to anyone you trust.
  • Send money internationally with Wise.
  • Opt-in to free electronic monthly statements.
  • Access cash through the CO-OP ATM network, which offers more than 30,000 no-fee ATMs, covering all 50 states and 10 countries.3


  • The $10 monthly fee will be waived if you meet one of the following criteria: complete at least 10 debit card transactions each month, or you are age 24 years or younger, or you are a U.S. Military member.
  • You must be enrolled in Digital Banking and/or our Mobile App.
  • This account does not offer checks or check clearing.
  • This account is not eligible for Privilege Pay, our courtesy payment overdraft service. Other methods of overdraft protection, such as transfer from savings or an overdraft line of credit, are available. 

Rewarding Checking

Kasasa Cash Checking
We’re always looking for ways to give you more. That includes our outstanding checking options powered by Kasasa. With Kasasa Cash Checking, you can earn higher dividends on your checking account balances — up to 6.00% APY. And, you’ll continue to have access to all the best benefits that come standard with Andrews Federal membership, including Early Direct Deposit, mobile check deposits, Digital Banking access and more.

Now offering members the option to choose high yield or cash back with new checking accounts powered by Kasasa.