ATMs are unavailable - September 29

Due to scheduled maintenance, AAFCU ATMs will be unavailable Wednesday, September 29, from 12:30 am to 3:00 am (MT). We apologize for any inconvenience.

Routing Number: 307070021

Cash Rewards Checking

High Dividends

Earn 1.25% APY* on your balance up to $15,0001, and no minimum balance to earn rewards!

ATM Fee Refunds

Refunds on ATM withdrawal fees nationwide -

up to $25.00 monthly1

Worry Free Zone

No minimum balance to earn rewards and no minimum deposit to open!

Easy Access

24/7 account access with free online and mobile banking, free online bill pay, and free eStatements!

Earn 1.25% APY on your balance up to $15,0001, and get refunds on your ATM withdrawal fees nationwide, if qualifications are met1. Open your accounts online in minutes!

Open Now

Cash Rewards Account Features 

  • 1.25% APY on balances up to $15,0001

  • 0.15% APY on balances over $15,0001

  • 0.05% APY if qualifications are not met

  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)1, so every ATM is your ATM

  • No minimum balance to earn rewards

  • Free Debit Mastercard®

  • Free eStatements

  • Free Online Bill Pay

  • 24/7 account access with our free online and mobile banking

  • Access to great features like remote check deposit, member to member transfers, and more through our mobile banking

  • No minimum deposit to open


Earning Rewards is Easy

To earn your rewards, just do the following transactions and activities in your Cash Rewards Checking account during each monthly periodic statement cycle:

  • Have at least 12 debit card purchases post and clear

  • Have at least 1 direct deposit or automatic payment (ACH) post and clear

  • Be enrolled in eStatements

Didn't meet the qualifications this cycle? Don’t worry. Each month is a new chance to qualify!

If you don't meet the monthly qualification, you'll still earn the base rate and you can get right back to earning your rewards the very next cycle you qualify.


*Annual Percentage Yield (APY) effective 09/28/2021. Accurate as of the last dividend declaration date.

1Qualifications: (a) Post and clear at least one direct deposit or pre-authorized ACH (b) post and clear twelve or more purchase transactions using your debit card and (c) consent to receive your periodic statements electronically during the monthly periodic statement cycle. Account transactions and activities may take one or more days to post and clear to the account and all must do so during the monthly periodic statement cycle in order to qualify for the account’s rewards. When your Cash Rewards Checking account qualifications are met during a monthly periodic statement cycle, the following rewards will be distributed to your account on the last day of the month. Balances up to $15,000.00 earn an APY of 1.25%; and balances over $15,000.00 earn 0.15% APY on the portion of balance over $15,000.00. ATM fee refunds limited to $4.99 per item and $25.00 per monthly periodic statement cycle. Terms and conditions subject to change. 

Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Terms and conditions subject to change. Membership requirements apply.

©2021 Mastercard. All rights reserved. Mastercard® is a registered trademark of Mastercard International Incorporated.  

Find an ATM or Shared Branch Location

AAFCU ATM Locations

Easy and convenient access to AAFCU owned ATMs throughout the Colorado Springs and Denver Metro Area. 

ATM Locations

Nationwide CO-OP Network

In addition to our local AAFCU-owned ATMs we also belong to the CO-OP Network, giving you surcharge-free access to nearly 30,000 ATMs and over 5,000 shared branch locations throughout the U.S. and Canada.

CO-OP Shared Branch And ATM Locations

Become A Member Today!

Become a member today and start enjoying the great benefits of being a member of AAFCU!

Join Now