Checking Accounts Rock Paper Scissors

We offer three types of Checking Accounts for your convenience; Fee Free For Me Checking Account, Smart Money Checking Account and GuardID Checking Account.


Fee Free For Me

Cut the Fees

  • NO minimum relationship fee.
  • NO minimum balance fee.
  • NO AFCU charge for ANY ATM.
  • NO debit card fees.

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While other financial institutions are raising fees and cutting services, Advantage offers personalized services with the ability to customize your banking to suit your lifestyle with your Fee Free For Me Account.

  • NO minimum balance fee.
  • NO AFCU charge for ANY ATM.
  • NO debit card fees.

Additional Freebies:

  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE External Transfers-transfer money online to and from other financial institutions!
  • FREE e-Services

> e-Statements-No more paper! View, download & organize statements  electronically. > e-Alerts-Avoid Fraud! Use e-Alerts with text and e-mail to monitor your transactions: Payroll, Account Balances, Loan Account Balances, Loan Payment Due, Cleared Checks, Insufficient Funds, Automatic Withdrawal, Bill Payment Notifications, Online Transactions, Privilege Pay, Debit/ATM Transactions and Personal Alerts. > e-Notices-Receive up to date member letters, transaction   Additional Perks:

  • We make your debit card instantly on-site.
  • Your choice of 6 debit card designs.
  • Access to 33 local branches.
  • Allpoint ATM Network-Access to over 55,000 surcharge FREE ATM’s WORLDWIDE.

The only time you will pay a fee for your Advantage Fee Free Checking Account is if you overdraw your account!

Smart Money Checking

Earn Some Paper

  • Earn high-yield dividends.
  • Unlimited check writing.
  • FREE checks for life.

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A checking account that combines the high dividends of a Money Market account with the everyday flexibility of checking, plus many FREE services:

  • Unlimited check writing.
  • FREE checks for life.
  • FREE Visa Debit Card.
  • FREE ATM transactions at over 55,000 surcharge FREE ATM’s WORLDWIDE with Allpoint ATM Network.
  • FREE Online Banking with FREE Online Bill Pay.
  • FREE use of 33 local branches and thousands nationwide.

A Direct Deposit relationship of $500 a month is required. Accounts with less than $5,000 average daily balance pay a $5.00 monthly fee. This fee could reduce earnings.

GuardID Checking

Solid Rock Protection

  • Free Credit Score
  • Total Identity Monitoring
  • Fully Managed Recovery Process
  • Identity Fraud Expense Reimbursement

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Extra Protection You Can Bank On.   You work hard for your money, and you know it makes sense to protect it and save it. GuardID Checking helps keep your money safe and offers sound money-saving financial benefits, so you can feel secure.

GuardID Checking brings you valuable financial and security features – including access to your account from almost anywhere and protection from identity theft – AND we make it easy for you to enjoy these benefits for a low monthly service fee of $7.00.

Keep Yourself and Your Family1 Safe from Fraud and Loss.
Identity theft is on the rise, but you can rest easy knowing that you and joint account holders are protected by our comprehensive IDProtect® service, which includes:

  • Free Updated Credit Score.
    IDProtect® will monitor your Equifax, Experian and TransUnion credit files daily, and automatically alert you if key changes occur. You can request a free, updated credit report every 90 days or upon receipt of alert. Each new report includes an updated single bureau credit score.2*
  • Comprehensive Identity Theft Resolution Services. Should you suffer identity theft, your very own IDProtect fraud resolution specialist will help you every step of the way until your credit and identity are completely restored.
  • Identity Fraud Expense Reimbursement Coverage. Receive up to $10,000 to help pay expenses, clear your name and repair damaged credit, should you become the victim of identity fraud.3*
  • Debit and Credit Card Registration. Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards – and your liability is limited – should your cards become lost or stolen.(Registration and activation required)
  • Total Identity Monitoring. Continuous monitoring of over 1,000 databases. (Registration and activation required)*

Additional Benefits

  • No Minimum Balance Requirement
  • Unlimited Check Writing
  • 1 Free box of Checks Per Year
  • Free Corporate Checks
  • ATM/Debit Card
  • No Debit Card Fees
  • Free E-service including up to minute e-alerts
  • No AFCU charge for ANY ATM
  • Free Online Banking
  • Free Bill Pay
  • Money Transfers to and from other financial institutions for Free.
  • ALLPOINT ATM Network: Access over 55,000 Surcharge Free ATM’s Worldwide
  • Access to 33 Local Branches through Shared Branching
  • IDProtect®

*Family includes Spouse, domestic partner, and children under 25 living in the same household that are account owners.**Reimbursement coverage is an insurance product and not a deposit; not NCUA insured; and not an obligation nor guaranteed by the credit

Upon application for your checking account, you will receive complete information on electronic funds transfer, funds availability, and truth in savings. For more information please contact a Member Service Representative at 585.454.5900, ext. 5

Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.&

1 IDProtect® service is a personal identity theft protection service available to account owner(s) and their family. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household. IDProtect® benefits are available to joint account holders. Benefits are not available to a “signer” or “beneficiary” of the account who is not an account owner. Service is not available to businesses and their employees, clubs and/or churches and their members, schools and their employees/students.

2 Credit score may differ from score used by Advantage FCU.

3 Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

*Registration and activation required.

Insurance product is not a deposit; not NCUA insured; not an obligation of credit union; and not guaranteed by credit union or any affiliated entity.



Upon application for your checking account, you will receive complete information on electronic funds transfer, funds availability, and truth in savings.   For more information please contact a Member Service Representative at 585.454.5900, ext. 5