Checking
Find the Checking Account that fits you best.
Student Checking
Pays you CASH!
For individuals enrolled in school.
Earn up to $120 CASH each year just by using your debit card!
Smart Money Checking
Grow Your Money
Combine the high dividends of a Money Market account with the everyday flexibility of checking.
GuardID Checking
Rock Solid Protection
You work hard for your money and you know it makes sense to protect it. Keep your money safe and secure.
Open a Checking Account today!
"Which checking account is right for me?"
Click below to compare our accounts. Don't see what you're looking for? Contact us!
Student Checking
Pays you CASH!
Earn up to $120 CASH each year just by using your debit card!
How it works:
- • Swipe 15x each month and get $5*
- • Swipe 30x each month and get $10*
- • Payout on the 1st of the following month
Qualifications:
- • Must be age 13 or older and have a valid government issued ID
- • The primary member must be enrolled in high school or college. Proof of enrollment must be presented, which can be a class schedule or a current student ID card.
- • To qualify for payout: must be enrolled in Online Banking with electronic statements
Fees waived:
- • Up to two overdraft fees waived per year
- • Up to two transfer fees waived per year
Additional Perks:
- • Good Grades Pay: Earn a $20 reward for good grades!
- • Receive ACH direct deposits up to two days early
- • Round-Up (optional) is an easy way to add a few cents your savings with every debit card purchase. Now earning 3% APY!
- • Debit Purchase Rewards: get paid back for shopping at your favorite stores
- • Zelle: A fast, safe, and FREE way to send money to friends and family instantly.
- • Spending / balance alerts sent directly to your phone
- • Card Controls: Ability to turn your card on/off or block transactions
- • Allpoint: Access to 55,000 Surcharge-Free ATMs. Worldwide.
- • Shared Branching: Access to 27 local credit union branches and over 5,600 coast to coast.
- • $26,000 in scholarships awarded to high school seniors and college students each year
How much does Round-Up add up?
| Rounded Up | Amount Saved |
|---|---|
| Coffee for $3.65- rounded up to $4 | $0.35 per day saved |
| $0.35 per day x 5 days | $1.75 per week saved |
| $1.75 per week x 4 weeks | $7 per month saved |
| $7 per month x 12 months | $84 per year saved |
Open a Student Checking Account today!
PLUS get these perks with any Advantage Checking Account
Debit Card That Gives Back!
Choose one of eight Debit Cards that give back to different organizations. Open a Checking Account with Advantage FCU today and receive your Debit Card instantly on-site. Safer, more secure.
Debit Purchase Rewards
Pay yourself back while shopping online. Over 150 offers to explore and new additions daily.
Mobile / Online Banking
Banking in your back pocket. Bank at your convenience anytime, anywhere.
Allpoint ATM Network
No charge ATM's- over 55,000 ATM's worldwide, 112 locally. Just look for the Allpoint symbol.
Zelle
A fast, safe, and free way to send money to friends and family instantly.
E-alerts
Get real-time alerts from low balances, deposits, loan payments due, and much more.
Bill Pay
FREE online Bill Pay- never miss a payment again.
Shared Branching
Access to 27 local credit union branches and over 5,600 coast to coast. Find locations easily within our mobile app.
Credit Score
Instant access to your credit score with financial education tips, and ways to improve your score.
Electronic Statements
Save the paper, reduce fraud!
External Transfers
No charge to transfer money from your AFCU accounts to your external accounts.
Waived ATM Fees
Your first five transactions at any non-Advantage or non-Allpoint ATMs each month are FREE***
Open a Checking Account today!
*ATM, Zelle, Venmo, Cash App, and similar transaction types do not count toward swipe count. **In accordance with NACHA regulations, we may post incoming ACH credits up to two days prior to the settlement date. These deposits are subject to final payment and the credit is to be considered provisional until final payment is received. If final payment is not received, we may charge your account for the amount of such items and impose a returned item fee on your account. Any collection fees we incur may be charged to your account. We reserve the right to refuse or return any item or fund transfer. ***Other ATM charges may apply. ****ROUND-UP SAVINGS PROGRAM — When you enroll in the Round Up Savings Program, the Credit Union will round up the amount of any debit card purchases associated with your checking account to the next whole dollar amount and transfer the amount in excess of the purchase amount from your checking account to your Round Up Savings account.
*****Good Grades Pay is available to student members with a Youth Savings or Student Checking account. $20 is rewarded when your grades hit the mark! Rewards are only awarded during the months of May, June, and July. Good grades are defined as College, High School, and Middle School Students: Grades of A (90%-100%) and B (80%-89%), or GPA of 3.0 or higher, Grade School Students: Grades of 7, 8, or 9 (Out of a grading scale of 1 thru 9), and Elementary School Students: Grades of A (90%-100%) and B (80%-89%).
Discover a Better Way to Bank
with Advantage Federal Credit Union
Whether you're opening your first account or looking for a better way to manage your money, Advantage Federal Credit Union is here to help. Join today and experience the personalized service, community connection, and financial support you deserve.
Join Today
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Routing Transit Number/ABA Number:
222382292
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SWIFT Code:
AFCUUS33
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NMLS Number:
619501
Main Menu
Branch Locations
Advantage Federal Credit Union
225 W. Broad St.
Rochester, NY 14608-
Advantage Federal Credit Union
U of R Medical Center
Suite G-6010
260 Crittenden Blvd.
Rochester, NY 14642 -
Advantage Federal Credit Union
1625 Mt. Hope Ave.
Rochester, NY 14620 -
Advantage Federal Credit Union
Rochester General Hospital
Parnall Bldg., Suite G-08
1445 Portland Ave.
Rochester, NY 14621
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Advantage Federal Credit Union
1975 Buffalo Rd.
Rochester, NY 14624 -
Advantage Federal Credit Union
2515 Browncroft Blvd.
Rochester, NY 14625 -
Advantage Federal Credit Union
Global Village
6000 Reynolds Dr.
Rochester, NY 14623
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