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Checking Accounts

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Checking Accounts

Checking Accounts for Your Lifestyle

No two Apple Checking accounts are exactly alike. Each account comes with its own unique bundle of conveniences and services sure to benefit any lifestyle. Choose your best match today.

Still have questions?

Schedule a video appointment, call us at 703-788-4800 or visit a branch.

All Apple Checking Accounts Feature

FREE Visa® Debit Card

FREE Visa® Debit Card

Free Online, Mobile and Text Banking

Online and
Mobile Banking

FREE Apple ATM Transactions

FREE Apple ATM Transactions

Online Bill Pay

Online Bill Pay

eStatements

eStatements

Direct Deposit

Direct Deposit up to 2 Days Early*

FREE A+ Checking

Get access to your own money without paying any fees.

Features

  • No monthly service fees
  • No minimum balance requirements
  • Initial box of checks free
  • FREE Apple ATMs

Advantage Checking

Apple’s Advantage Checking takes your banking relationship to the next level. You earn monthly dividends on your entire Checking balance.

Features

  • Earn dividends
  • One free box of checks per year
  • FEE-FREE withdrawals at any ATM nationwide*
  • Direct deposit minimum of $500 a month‡ required OR have a Summer Pay account OR $20,000 combined Savings and Loans balances

APY**

0.05%

View All Rates
*Some institutions may impose a surcharge; up to $10 worth of fees refunded within 24 hours per month.
**APY = Annual Percentage Yield is subject to change without notice. All deposit rates are effective as of 06/01/2020. Direct Deposit must be into checking or savings account.

eXtras Student Checking

eXtras Student Checking lays the foundation of solid money management for youth 12-23 years old* with low to no fees.

Features

  • No monthly service fees
  • No minimum balance requirements
  • FREE eStatements
  • FREE Apple ATMs
*A parent/guardian is required as a joint owner until the youth reaches age 18.

Investors Checking

Managing your money is a skill, and you're no beginner. For savvy investors who invest at least $25,000 with Apple Financial Services, Apple's wealth management division, a premium dividend will be earned on a checking account balance up to $20,000.

Features

  • No monthly service fees
  • Initial box of checks free
  • FEE-FREE withdrawals at any ATM nationwide*
  • Earn a premium dividend Rate (on balances up to $20,000)

APY**

1.00%

View All Rates
*Some institutions may impose a surcharge; up to $10 worth of fees refunded within 24 hours per month.
**APY = Annual Percentage Yield is subject to change without notice. All deposit rates are effective as of 06/01/2020.

Features

Use an Apple FCU Visa Debit Card for all your purchases, big or small. Purchases are taken out of your Checking account, and you can see real-time balances in Online Banking and the Mobile App.

Enjoy these benefits with your Apple FCU Visa Debit Card:

Get paid up to two days early*! You can access your funds up to 2 days before your regular payday. There is no cost or catch behind this benefit. It's just something we do for our members because getting paid early is never a bad thing! Learn more about early pay.

*The timing of early pay Direct Deposit varies based on the payment file submission from the payee. Apple FCU may make payroll and other electronic transfers available when the payment file is received, up to two (2) business days earlier than the scheduled payment date. Please note that funds are not available for you to spend until they are reflected in the AVAILABLE BALANCE. You should not rely on early pay Direct Deposit to satisfy the needs of scheduled bill or loan payments, or any other date-sensitive financial obligations. Apple FCU is not responsible for overdraft fees resulting from transactions that occur prior to funds posting.

Who doesn't love saving money? Simply use your Apple Visa Credit or Debit Card at select national retailers to enjoy specially discounted offers.

These offers are updated regularly, so check back often!

View Current Deals

Check ordering is fast, easy and convenient. Our check partner, Deluxe, makes available an extensive catalog to choose from. Plus, Apple exclusive checks are FREE* to members with Advantage Checking and Investors Checking.

Get Started:

  1. Log in to Apple FCU Online or Mobile App
  2. Select Check Services from the Accounts menu
  3. Follow the on-screen steps.

Any charge for your checks will be deducted from your account, if applicable, at the time of order, so ensure a sufficient balance is available. Your order should arrive within 7-14 business days.

If you order your checks from an outside vendor, you must include your 14-digit MICR Account Number, not your Member Number, when prompted. This will ensure acceptance and the ability to view check images in Online Banking. Identify your MICR Account Number.

*One (1) free set per calendar year

More Helpful Resources

Let Us Know Why You Love Apple for a Chance to Win $250<sup>*</sup>

Let Us Know Why You Love Apple for a Chance to Win $250*

Rate and review to be entered to win.

Stay Cozy, Save Comfy Certificate

Stay Cozy, Save Comfy Certificate

This winter, watch your savings accumulate like freshly fallen snow!

Refer Friends & Family

Refer Friends & Family

When you refer your friends and family to Apple, you both get paid!

5 Ways to Pay Off High-Rate Debt

5 Ways to Pay Off High-Rate Debt

Tips and solutions to pay off your debt.

Learning Center

Learning Center

More helpful resources on how to manage your account.

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