Share Draft Checking Account

Our Share Draft/Checking accounts have:

  • No minimum balance

  • No monthly service charge

  • No per check charge

  • The AAFCU Visa Debit Freedom Card is available for:

    • ATM withdrawals

    • Use like a Visa Credit Card, BUT…Funds are withdrawn from share/draft checking account.

    • Has your Visa card been lost or stolen? Contact AAFCU immediately. If the office is not open, please call 1 (800) 991-4961 for Visa Credit or 1(800) 472-3272 for Visa Debit immediately. If you report a card lost or stolen using these numbers, please also contact us at the credit union directly so that we can help you with receiving a new card to use quickly.

    • Questions or concerns about fraud on your Visa Debit card? You may receive a call if our fraud department notes suspicious transactions, and that call comes from 1-833-735-1894. We do have a contract for this service to be provided 24 hours a day, so the person calling may have an accent. It won’t be someone based physically in our offices. If you are at all concerned, you can call us directly during office hours and we will be happy to help you. If our fraud service sees something suspicious, your card will likely be blocked to protect you.

Payroll Deduction

With Payroll Deduction, our members can choose to have a portion of their paycheck deposited to their savings or checking account(requires employer participation).

Direct Deposit

Direct Deposit allows our members to have their entire paycheck directly deposited to their savings or checking account (requires employer participation).

Discretionary Overdraft Privilege

Members in good standing with Armstrong Associates Federal Credit Union may be eligible for Overdraft Privilege on their Share Draft Checking Account. If an eligible member should inadvertently overdraw their share draft checking account, AAFCU has the discretion to cover the overdraft, saving embarrassment and additional fees charged by the merchant. There is no charge for this service unless it is used to cover an overdraft. Members may choose to opt-in to having ATM and everyday debit card transactions also covered by the Overdraft Privilege program. Members may also opt out of this service entirely if they wish by contacting AAFCU. Complete details of this policy are available in any AAFCU branch location, or here. Read the full overdraft policy. 

Electronic Funds Transfer Agreement

Electronic Fund Transfers Agreement and Disclosure

Automatic Transfers

We can assist you in setting up automatic transfers between your accounts at AAFCU on whatever terms work for you. For example, automatic transfers to savings, Christmas Club, or a loan payment. You can also set up automatic, recurring transfers through Virtual Branch if you prefer.