Checking Accounts

Features and benefits

Access to Savings Plus Account
Digital Banking with free bill pay service
No minimum balance requirement
Pay Early

AddsUp savings program
Free Presto! ATMs
Mobile check deposit

Free Checking Disclosure

There are no monthly service fees associated with this account, but this account is subject to secondary fees such as non-sufficient funds and printed periodic statements. For a complete list of applicable secondary fees, please see our Fee Schedule.

General Disclosure

Pay Early: With Pay Early, funds from an eligible incoming electronic direct deposit may be available for your use up to two days before the scheduled deposit date. Not all direct deposits are eligible for Pay Early. Eligible direct deposits are limited to verified regularly-scheduled electronic direct deposits of your payroll, pension, and government benefit payments. Early availability of direct deposits is not guaranteed. Transaction limits and risk screening processes apply.

AddsUp Savings Program - Enrollment in the Debit Card AddsUp Savings Program the credit union will round up your debit card purchases to the nearest whole dollar and transfer the difference to your Share Savings Account. The program is subject to change or cancellation.

ATM fee rebates: ATM fee rebates is specific to the AFCU fee for transacting at a non-Addition Financial ATM.

Bill Pay: Free online banking Bill Pay. For each bill paid over the phone $8 fee for an assisted transfer with a credit union team member. No fee applied for setting up recurring bill payments.

How do our other accounts compare with Free Checking?

We understand that each member has a unique set of banking needs. That is why we created a portfolio of checking accounts with different features and requirements – because not every checking account is a one-size-fits-all. Curious to see how Free Checking is different from our other checking accounts? Open the chart below for an at-a-glance comparison.

Features and Benefits	Benefits Checking	Classic Checking	Student Checking
No minimum balance No minimum balance requirement.
Pay Early See your paycheck hit your account as soon as we receive it.
Free Presto!® ATMs Access your money via Presto! ATMs for free.
Savings Program Eligible to enroll in our AddsUp Savings Program.
Digital banking Access account details, including our free bill pay service, anytime with Digital Banking.
Free Bill Pay Free bill pay and person to person payment service.
Mobile check deposit Deposit checks anytime, anywhere with mobile check deposit in Digital Banking.
ATM fee rebates Available ATM fee rebates per month.	4	2	4
Personal loan discount Rate discount on consumer loans.	0.40%	0.25%	0.25%
Mortgage loan discount Rate discount on a new mortgage.	0.375%	0.25%
Free coin machine Free coin machine access at any of our participating branches.
Earn dividends Ability to earn dividends on your checking balance.
Safe Deposit Box 50% off 3x5 Safe Deposit Box
Savings Plus Active Addition Financial checking account required for access.
Growth Plus Money Market Active Benefits Checking or Classic Checking account required for access.

Open Chart

Savings Plus Account

The Savings Plus Account earns a higher dividend rate than our regular Savings account and it provides the flexibility to earn a great dividend rate and annual percentage yield without locking up your funds. It’s a steady and secure way to grow your savings with the peace of mind that your funds are federally insured up to $250,000.

Already a member? Call us today at 800-771-9411 or visit your local branch! Not a member yet?

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Enroll in the AddsUp Savings Program

After you enroll in the AddsUp Savings Program, each debit card transaction you make will be rounded up to the nearest dollar. Then that rounded up amount, the difference between the actual amount and the next dollar amount, will be transferred into the savings account of your choosing. Every little bit helps when you're saving for a bright financial future.

Interested in signing up?

You can either book an appointment at your nearest branch to meet with a relationship advisor, or you can give us a call at (407) 896-9411 to get started.

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Be cool + support local schools

When you choose a debit card that’s affiliated with your local public school district (Orange, Osceola or Seminole County), Addition Financial will donate $0.03 to that district every time you swipe, tap or insert.

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School pride + card design

Addition Financial is the preferred institution of Central Florida colleges and universities including UCF, Seminole State College and Valencia College – we have the debit cards to prove it. When you open a checking account with Addition Financial, you have the opportunity to select from a range of customized card designs so you can show your school pride each time you tap, insert or swipe.

View Card Options

Book an appointment and skip the line!

When you book at appointment online, you won't have to wait in the lobby to talk to one of our representatives. Plan ahead for a date and time that works for you, at a location that's close by. One of our agents will be ready to speak with you at the time you booked.

Book an Appointment

Check it out

Choose the account that lets you spend less time banking and more time living.

1

Complete account application
When you’re ready, complete the online application or visit your branch to apply in person.
2

Get your debit card
Receive your complimentary debit card and start making your everyday purchases.
3

Review eligibility
Anyone who lives, works, worships, attends school or vocational training, or is an alum of any college, university, or educational institution located in select counties may join. View our “Join Today” page for full eligibility.

Apply Now

Addition Financial

1000 Primera Blvd

Lake Mary, FL 32746

Local: 407-896-9411

Toll-Free: 800-771-9411

Routing Number:

263181384

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.