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young woman checking her personal balance with an ATM
Manage your everyday money needs with an American Federal checking account that fits your lifestyle. Choose from an array of American Federal accounts tailored to your needs.


An American Free account makes your financial life easy and convenient. No minimum balance. No monthly service fee.

Relationship Checking

For existing customers, earn a tiered variable interest rate when you maintain at least a $1000 monthly average daily balance.1

American Advantage

For people over 50 or employed by our business customers, earn tiered interest2 based on the account’s average daily balance. Includes free check blanks.

All checking accounts feature:

  • No monthly service fee
  • Free unlimited check writing
  • Free American Federal debit/ATM card
  • Free Online & Mobile Banking
  • Free Online Bill Pay
  • Free Mobile Deposit
  • Free ATM Withdrawals at MoneyPass ATMs
  • Free Check Images With E-statements3

Contact your local office today to open an account! 

1Qualify for Relationship Checking if any of the following are met: maintain $10,000 or more in an American Federal CD; maintain a $2,000 average daily balance in combination of a checking/savings account(s) with American Federal; retain a consumer and/or mortgage loan with a balance of $10,000 or more. Rate tiers are $1-4,999; $5,000-9,999, $10,000-19,999, $20,000 and over. $1000 average daily balance required to earn interest each month. 

2Rate tiers are $1-2,499; $2,500-4,999; $5,000-9,999, $10,000 and over. 

3Customers may also choose to receive printed check images with their statements for a $3 per month fee for each account. Digital check images are free for customers signed up for e-statements.