Checking
Share Checking
A free checking account with no monthly fees, no minimum balance requirements, and all the tools you need to manage your money. Banking the way it should be.
Everything You Need, Nothing You Don’t
No Monthly Fees
Keep more of your money. Our share checking account has no monthly maintenance fees, no minimum balance requirements, and no hidden charges.
Free Debit Card
Get a free Visa debit card with your checking account. Use it anywhere Visa is accepted, plus enjoy surcharge-free access at thousands of ATMs nationwide.
Direct Deposit
Get paid faster with direct deposit. Your paycheck is available sooner and you never have to worry about making a trip to the branch on payday.
Move money the way you want
Pay with your mobile wallet, send Zelle to a friend, schedule a bill — Share Checking gives you the same set of tools the big banks charge for, minus the monthly fee.
No-fee ATM access where you actually are
Skip the surcharge. Pull cash for free at any CO-OP ATM nationwide, any M&T ATM, and at our Lakewood branch ATM. Travel without ATM math.
Bill Pay
Schedule one-time or recurring payments from online and mobile banking. Free, included with every checking account, and you control the timing.
Zelle
Send money to friends and family in minutes, right from the Affinity One app. No third-party apps, no transfer delays — just a phone number or email.
In-app debit card controls
Monitor every swipe in real time. Freeze and unfreeze your card from your phone, set spending alerts, and stop a card the moment it goes missing.
Courtesy Pay
Optional overdraft coverage so a missed transfer doesn’t turn into a returned check or declined card. Ask us about adding it to your account.
Mobile deposit
Snap a photo of a check from your couch — funds typically land the next business day. Skip the trip to the branch, keep the deposit.
eStatements
Skip the paper, declutter the kitchen counter. Statements arrive in your secure inbox each month — searchable, downloadable, and free.
Switch to Free Checking
Tired of paying monthly fees at your bank? Make the switch to Affinity One and start keeping more of your money.
Open your free checking account today
What you’ll need to apply
- Proof of membership eligibility
- Two forms of valid ID
- Your opening deposit
Applications are completed in person at either branch — most in a single visit.