Checking that just works and pays.

Personal Checking

Shouldn’t your money work as hard as you do? Arlington Community Federal Credit Union (ACFCU) Cash Back* Checking Rewards and High-yield1 Checking Rewards accounts do just that—and make managing your money easier. With free conveniences like mobile banking and check deposits from your smartphone, a surcharge-free ATM network—along with no monthly fees—you’re sure to find checking that fits your life.

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Cash Back Checking Rewards

The account that pays you back.

Make money while you spend it. Get the account that reimburses you, in part, for every purchase, every month.

FEATURES & BENEFITS

  • 1% cash back* every month on your total qualifying debit card purchases (up to $10 monthly)
  • ATM surcharge fee refunds (up to $20 monthly)**
  • It’s easy to qualify! Simply:
    1. Make 15 swipe-and-sign transactions
    2. Receive e-Statements
    3. Receive direct deposit or make an ACH withdrawal from your account1
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High-yield Checking Rewards

The account that invests in you.

Our High-yield Checking account can help you build on everything you’re already working toward. Shop, spend and save like you normally would, and let the dividends roll in.

FEATURES & BENEFITS

  • 2.00% APY on balances up to $10,000 based on your average daily balance**
  • 0.10% APY on balances over $10,000**
  • 0.05% APY on all nonqualifying balances**
  • ATM surcharge fee refunds (up to $20 monthly)**
  • It’s easy to qualify! Simply:
    1. Make 15 swipe-and-sign transactions
    2. Receive e-Statements
    3. Receive direct deposit or make an ACH withdrawal from your account1
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Visa® Credit & Debit Sweepstakes

Dine with joy when you use your Visa® credit or debit card for dining purchases this holiday season and be entered for a chance to win a $500 Visa gift card.

FEATURES & BENEFITS

  • One entry for every dining purchase made between November 1 – December 31, 2020
  • Qualifying purchases include dine-in, takeout, delivery, and drive-thru
  • Three $500 Visa gift cards will be awarded to randomly selected cardholders
  • See full rules below
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Great Checking Conveniences

No matter which ACFCU checking account you choose, you’ll enjoy unlimited check writing plus value-added conveniences that can help you better manage your money.

Logo for No monthly service fee

No monthly service fee

or minimum balance requirement

Logo for No overdraft fees

No overdraft fees

for debit card transactions that overdraw by less than $302

Logo for Nationwide ATM convenience

Nationwide ATM convenience

with 28,000+ surcharge-FREE ATMs

Logo for FREE mobile banking for your on-the-go life

FREE mobile banking for your on-the-go life

with mobile deposit, rewards tracking and more3

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Logo for Anytime, anywhere online access to your money

Anytime, anywhere online access to your money

Online Banking offers FREE Bill Pay too

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Logo for Optional overdraft protection

Optional overdraft protection

for added peace of mind

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Logo for Free Visa® debit card

Free Visa® debit card

Logo for Monthly e-Statements

Monthly e-Statements

so you can save time—and trees

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Logo for Check reorders

Check reorders

for first orders or address changes, contact us

Place other reorders here

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Manage your money anytime, anywhere with our mobile app.

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The Fine Print

Cash back is calculated based on the total dollar amount of qualifying debit card transactions. Maximum cash back is $10.

APY = Annual Percentage Yield. APYs are accurate as of DATE and are subject to change without notice. If qualifications are met each calendar month: 2.00% APY will be paid on average daily balances from $0.01 to $10,000 and 0.10% APY will be paid on all amounts above $10,000. For minimum requirements to be met, actions must be performed and must clear/post to the account during the qualification period. Transactions may take one or more banking days from the date the transaction was made to post and settle against your account. Swipe and sign transactions must have cleared the account by the end of the month. PIN-based transactions do not qualify. If you do not meet the requirements each calendar month, your account will still function as a free checking account and will earn the base rate of 0.05% APY; however, it will not receive ATM refunds for that period. For Personal Accounts only. Standard fees will apply to adverse action on the account such as overdraft, courtesy pay, and account inactivity for longer than 12 months. Fees may reduce earnings on the account. This only applies to debit card transactions. ACH transactions do not have the $30 grace before a fee is charged. Data rates may apply.

1For minimum requirements to be met, actions must be performed and must clear/post to the account during the qualification period. Transactions may take one or more banking days from the date the transaction was made to post and settle against your account. Swipe and sign transactions must have cleared account by the end of the month. PIN-based transactions do not qualify.

2This only applies to debit card transactions. ACH transactions do not have the $30 grace before a fee is charged.

3Data rates may apply.

VISA SWEEPSTAKES OFFICIAL RULES:

Dine with Joy: To enter the drawing, you must use your ACFCU debit or credit card for a carry-out, delivery (including delivery services) or dine-in dining purchase between 11.1.2020 and 12.31.2020. Transactions must post by 12.31.2020. ACFCU is not responsible for merchant codes that do not allow for us to capture the information needed to recognize restaurant transactions. Three winners will be randomly selected to win a $500 Visa® gift card. Winners will be announced after two drawings, on Friday, 12.4.2020 (1 winner) and Friday 1.8.2021 (2 winners). Employees, officers, directors of ACFCU, its related companies and agents, and household members of each are not eligible. By participating, winner consents to the release of his/her name as the winner of the award, unless such use is prohibited by applicable law. Some restrictions apply. No purchase necessary. ODDS OF WINNING DEPEND UPON NUMBER OF TOTAL ELIGIBLE ENTRIES RECEIVED.

Membership eligibility subject to verification. Member must be at least eighteen (18) years old and in good standing, which means no delinquency of 30 days or more and no negative account balances.

Alternate Entry Options: Alternate entry is available without using an ACFCU debit or credit card. Submit by writing “ACFCU Dine With Joy” along with your name, address (including city, state and zip code), daytime and evening telephone numbers, and e-mail address on a 3” x 5” card and mailing to: Arlington Community FCU, ATTN: Marketing Department, P.O. Box 40070, Arlington, VA 22204. Entries must be complete and received by December 31, 2020 to be eligible. Unlimited mail-in entries allowed per person. Mass entries or mechanically reproduced entries will not be accepted. All qualified alternate entries will be identified by Arlington Community FCU Marketing Department, whose judgment of eligibility is final.

Visa® is not a sponsor of this drawing.