Regular Checking

Our free checking account has no hidden charges. What's more, you earn dividends on your entire checking account balance! F&A checking includes the following features:

  • No monthly fees
  • No minimum balance
  • Dividend earning on all balances
  • FREE Bill Pay
  • Your first box of F&A custom checks is FREE! (upon your request)
  • No minimum to earn dividends
  • Online Banking and Mobile Banking
  • Mobile Deposit
  • VISA Debit Card
  • Real Time Alerts™

Ready to apply? Login to Online Banking

Have questions? Give us a call at 800-222-1226

High Yield eChecking

With our High Yield eChecking, you get all the benefits of our regular checking account listed, but earn a higher dividend. All you have to do is agree to opt in to receive your statements and disclosures electronically instead of by mail.

Start earning higher dividends with no minimum balance requirement today!

  • No monthly fees
  • No minimum balance
  • Dividend earning on all balances
  • FREE Bill Pay
  • Your first box of F&A custom checks is FREE! (upon your request)
  • No minimum to earn dividends
  • Online Banking and Mobile Banking
  • Mobile Deposit
  • VISA Debit Card
  • Real Time Alerts™

Ready to apply?Login to Online Banking and go to All Services. Then click on Online Services, select the banner for "Check out our High Yield eChecking" to read and accept the disclosure. Once the disclosure is accepted, F&A will open your new High Yield eChecking (S7) or transfer your existing Regular Checking account(s) within three business days.

Have questions? Give us a call at 800-222-1226

Overdraft Protection 

F&A is pleased to provide our members with protection against the occasional overdraft. Our Overdraft Protection services are available for the payment of checks (drafts), preauthorized payments under our Bill Payment Service, and ACH drafts and debits. ATM transactions and one-time debit card transactions are not included.

F&A offers three overdraft options:

  1. Overdraft Transfer Service1
    Transferring available funds from another F&A deposit account to cover the overdraft amount
  2. Using your F&A Visa® Credit Card2
    Transferring available funds from your F&A Visa® Credit Card account to cover the overdraft amount
  3. Courtesy Pay: 
    Your overdraft may be paid by the Credit Union. The amount must be re-paid and a Courtesy Pay Fee will be assessed. For fee information, please see our Schedule of Fees and Charges. There are restrictions and eligibility criteria for Courtesy Pay, which is largely based on the responsible management of an F&A checking account. For information, please see our Deposit Account Agreement And Truth-in-Savings Disclosure.

In our processes, we use something referred to as The Available Balance method. For details about this as well as how we sequence checks presented for payment, and how we handle authorization holds, please see our Deposit Account Agreement And Truth-in-Savings Disclosure.

Overdraft Protection can be a great help and offer peace-of-mind. For more information about F&A Overdraft Protection services, please see our Deposit Account Agreement And Truth-in-Savings Disclosure

To set it up your accounts with overdraft protection, please call 800-222-1226. And to apply for a low rate F&A Visa Credit Card, go to Online Banking, click All Services and select Loan Application and Status.

1Federal regulations limit these overdraft transfers to six a month. F&A does not charge a fee for this transaction.
2This option is considered a cash advance and interest will accrue immediately.

Traveling outside the US? Please call 800-222-1226 and let us know.

Disclaimers

To qualify for an F&A checking account, you must be a member of F&A Federal Credit Union and have a Regular Share Account with a minimum $5 deposit. Other terms and conditions apply.

High Yield eChecking subject to qualifications.