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Smart, Simple Money Management

Online Checking Accounts

A streamlined checking account with all-digital access and convenience

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Convenient, Paperless Checking

Streamlined. Smart. All-digital. Fewer paper statements and transactions. More efficient financial management. That's the digitally driven experience you can expect with an Online Checking Account1 from Andrews Federal. 

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Add Your Card to Your Digital Wallet

Make convenient online payments when you connect your debit card to your mobile device's Digital Wallet.

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Great Accounts for Starting Out

Why Choose an Online Checking Account? 

Convenient access without extra paperwork or hassle. Online Checking is a great option for first-time account holders, young people learning to manage accounts, and more. 

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Get Paid Faster

Access your paycheck up to one day early with Early Direct Deposit2

Enroll
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Easy Online Payments

Use Bill Pay to make payments 

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Zelle®

An easy way to send and receive money fast3

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Convenient Cash Access

Access cash through the CO-OP ATM network, which offers more than 30,000 no-fee ATMs, covering all 50 states and 10 countries.

Find ATMs
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Round Up Savings

Grow your savings automatically with each purchase. Available with our Online Checking account.

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Want to Upgrade Your Earnings?

Choose our Kasasa Cash Checking account to earn up to 5.50% APY* on your checking account balances up to $25,000.

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More Strategies for Smart Spending

Learn strategies to manage your money, build a budget, and more. 

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Back To School Drive 2025

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Your Questions. Answered.

Frequently Asked Questions about Online Checking

Learn more about using Online Checking to manage your money digitally and with ease.

How do I open an Online Checking account with Andrews Federal?

To become a member of Andrews Federal and open the Online Checking you need the following: 

  • A valid government-issued ID
  • Social Security Number
  • Proof of address
  • An initial deposit 

Already a member? Log in to Digital Banking and select Add an Account from the Account Services menu.
Are there requirements to open this account?

Online Checking Account Requirements

  • The $10 monthly fee will be waived if you meet one of the following criteria: complete at least 10 debit card transactions each month, or you are under 24 years old, or you are a U.S. Military member.
  • You must be enrolled in Digital Banking and/or our Mobile App.
  • This account does not offer checks or check clearing.
  • This account is not eligible for Privilege Pay, our courtesy payment overdraft service. Other methods of overdraft protection, such as transfer from savings or an overdraft line of credit, are available. 
Can I open an Online Checking account in the branch?

Because this is an online-only account, you'll need to complete the opening process online. If you choose to open an account in the branch, we have many other options you can select, including our Kasasa Cash and Kasasa Cash Back Checking Accounts.
I need a paper check. What do I do?

his account does not include paper checks. However, you may be able to complete your transaction by using one of our online transfer options (account-to-account transfers, Zelle or Bill Pay). You can also visit a branch to request a money order or cashier's check. If you find you need checks regularly, you may want to upgrade your account to a Kasasa Cash or Kasasa Cash Back Checking Account.

Quick Links

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Easy Transfers

Move money to friends, family, and people you trust
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Bill Pay

Make quick, on-time, digital payments for bills and more
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Digital Wallet

Make purchases using your phone when you connect your card to your Digital Wallet.

*APY = Annual Percentage Yield.

1Online Checking Account - $10 monthly fee applies if you do not meet one of these criteria: complete at least 10 debit card transactions each month, or you are under 24 years old, or you are a U.S. Military member. This account does not offer checks or check clearing and is not eligible for Privilege Pay, our overdraft protection service. Other methods of overdraft protection are available. If you do not choose a form of overdraft protection, items that are presented against insufficient or uncollected funds on your account will be returned unpaid and is subject to an Insufficient Funds (NSF) fee. Refer to our Schedule of Fees for this fee information.

2Early Direct Deposit Program - early access to direct deposit funds depends on timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be one day earlier than the payer’s scheduled payment date.

3Zelle® - To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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Andrews Federal Credit Union makes no warranty, expressed or implied, regarding any external site nor is the Credit Union liable for transactions you enter into with any third parties.