Checking Account
Reliable, no-fee, dividend-earning checking for your everyday banking needs.
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Your no-fee banking solution that earns dividends with every deposit.
Trust F&A with your everyday banking with our Checking Account. Manage your daily transactions with convenient 24/7 digital banking, a free Visa debit card, and secure remote deposit options. It’s straightforward, dependable banking you can rely on.
At a glance
- No minimum balance
- No monthly fee
Open an account via Digital Banking, by calling our Member Contact Center, or in person at one of our branch locations.
Account details
- Free BillPay, Visa® debit card, and your first set of checks are free
- Connect to Apple Pay®, Google Pay®, and Samsung Pay®
Free overdraft protection{{overdraft_protection}} with an F&A Regular Savings Account
Regular Checking
No monthly fee. No minimum balance. Plus, your account earns dividends.{{dividend}}
APY{{apy_checking}} as high as
0.25%
Dividend rate{{dividend}} as high as
0.25%
$10,000+ Balance Rate
0.25%
Minimum to open
$0.00
Monthly fee
$0.00
Monthly deposits
Unlimited
Monthly withdrawals
Unlimited
Paper checks available
Yes
Debit card provided
Yes
Eligibility restrictions
Must be a member
Federally insured balances up to
$250,000.00
Calculate Your Earnings
FAQs
Do I need to visit a branch to open a Checking Account?
No, you do not need to visit a branch. Members can open an F&A Checking Account through Digital Banking or by calling our Member Contact Center at (800) 222-1226.
When will my debit card arrive?
Your debit card will arrive at the address listed on your account in 7-10 business days after opening your Checking Account.
How do I order checks for a Checking Account?
When opening your account in Digital banking, simply follow the directions for ordering checks or ask you F&A Representative. Your first box of F&A checks is free upon request.
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Auto Loans
Finance a new or used car or truck up to 125% loan to value with a low-interest F&A auto loan.
APR{{auto_apr}} as low as
4.60%
Maximum term
84 mo.
Maximum loan
$150,000.00
Maximum vehicle age{{auto_max_age}}
12 years
Traditional Visa
One simple rate for everything — purchases, cash advances, and transfers. A straightforward Visa that not only delivers great value, but can be used for overdraft protection{{overdraft_protection}}.
APR{{cc_apr}} for purchases
9.90% to 15.90%
APR for balance transfers
9.90% to 15.90%
APR for cash advances
9.90% to 15.90%
Annual fee
$0.00
Credit line
$500.00 to $10,000.00
Roth IRA
Invest after-tax dollars now to enjoy tax-free retirement withdrawals with F&A. Envision retirement on your terms with flexible withdrawal options. To learn more about how you can build a legacy to pass on to your beneficiaries, contact an F&A Representative today.