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  •                                                                             AAFCU Routing Number: 307070021

MAAXIMUM Checking Account

Perform your transactions while getting the MAAXIMUM rate you deserve with AAFCU's MAAXIMUM Checking account! Get the most out of your rewards checking account with free access to online and mobile banking, free online bill paying service, ATM fee refunds, and a no-fee Visa® Debit Card!

MAAXIMUM rate and ATM fee refunds awarded only if qualifications are met. See the Qualifications* section and disclaimer in the features tab below.

 Open an Account

**By clicking on the “Open an Account” link, you will leave AAFCU website. The website you are about to visit is not operated by AAFCU. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site and AAFCU is not responsible for its content. Any transactions you enter into with a vendor, merchant or other party accessed through this third-party site, are solely between you and that vendor, merchant or other party. AAFCU’s privacy and security policy does not apply to this third-party site, and for further information you should consult the privacy and security disclosures of the third-party site



MAAXIMUM Checking rewards:
  • No-fee Visa® Debit Card
  • Free E-Statements.
  • Free online bill payer service.
  • Earn dividends.
  • ATM refunds and MAAXIMUM rate with qualification.*
  • 24/7 online access and mobile banking.
  • No minimum balance to earn rewards or maintain account.


It's easy to qualify for the MAAXIMUM rate - all you have to do is fulfill these simple criteria each monthly qualification cycle. If you don't meet the criteria this qualification cycle you still get the base rate, and you can try again next cycle!

  • Have 12 or more signature-based check card purchases post and clear your account.

  • Have one direct deposit or ACH automatic debit post and clear your account.

  • Receive free E-Statements.

What happens if qualifications are not satisfied for a qualification cycle?

  • You will earn the base rate on your MAAXIMUM Checking account balance.

  • ATM fees are not reimbursed.

  • You will receive the MAAXIMUM rate your first qualification cycle, even if the qualifications are not met.

Check our monthly qualification calendar


MAAXIMUM rate paid on balances between one penny and $25,000.00 each qualification cycle the minimum requirements are met. A monthly qualification cycle is defined as the period between the last business day of the month and the next to last business day of the following month. PIN-based purchases do not count toward the 12 minimum required purchases. A lower rate is paid on all amounts above $25,000.00. If qualifications are not met per qualification cycle, the account will earn the base rate. No minimum balance to earn rewards required. No monthly service charge. Rates may change after the account is opened. Fees or other conditions may reduce earnings. Qualifying purchases  must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intrabank transfers do not count as qualifying transactions. Dividends begin accruing upon account opening. Available to personal accounts only. One MAAXIMUM Checking account per Social Security number.

*ATM refunds up to $25 per qualification cycle (limited to $4.99 per item) if requirements are met for MAAXIMUM Checking account. Terms and conditions subject to change anytime.