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Payback Checking

You read it right. We really are giving money away.

A nickel back for every debit card purchase¹
Access your paycheck faster with Early Direct Deposit²
Chase down your goals with Round Up Savings

Take 5. Again and again and again.

Spare change can turn significant, quickly, the more you use your Visa® Debit Card. Each transaction earns you a nickel back and transfers directly to your savings account. It’s just one cool feature of a checking option that’s right on the money in so many ways.

Features

You can get all this and more.

Receive $.05 for every debit card transaction.¹ This easy money goes straight into your savings account.
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

Requirements

$10 monthly fee will be waived if you receive at least $500 in total direct deposits within a calendar month to this account.
No minimum balance to worry about.
You must be enrolled in Digital Banking and/or our Mobile App.

STILL HAVE QUESTIONS?

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.

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.

ATM fee rebates/refunds are only available with our Military Forces Checking Account.

See All FAQs

¹Payback Checking accountholders who use their Contactless Visa® Debit Card to make purchases are eligible to receive transaction credits equaling $0.05 per each debit card transaction greater than $5.00 (up to a maximum of $6.00 in total reward credits per month). Debit card rewards are credited to your Base Share Savings account at the end of each month. ATM transactions completed with your debit card are not eligible for these rewards.

²Early access to direct deposit funds depends on timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to one day earlier than the payer’s scheduled payment date.

³1,850 of these ATMs are located within restricted access facilities.

Andrews Federal Credit Union is a full-service financial institution with stateside locations in Washington, D.C., Maryland, Virginia and New Jersey and overseas locations in Germany, Belgium and the Netherlands.