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Checking

Athens Federal has a variety of both personal and business accounts to fit your individual needs. All of our accounts offer the convenience of direct payroll deposit and direct social security deposit. For additional information, stop by and talk with one of our customer service representatives.

Free Checking

• Open with $50.00
• No monthly service charge
• No minimum balance requirements
• ATM/Debit Card* - Learn more about Debit Card Holds.
• Direct Deposit of Payroll Check
• Truncated Account
• Onlne Banking and Web Bill Pay

Campus Checking

• Opens with $100
• No Monthly service fee
• No minimum balance required
• No per check charges
• Converts to a Money Maker Account on account holders 25th birthday
• 24 Hour Telephone Banking
• ATM/Debit Card* - Learn more about Debit Card Holds.
• Athens Federal “No Annual Fee” credit Card (subject to Credit Approval)
• Online Banking

Money Maker Checking

• Open with $100
• $500 Personal Line of Credit*
• Monthly service charge of $7.95
• Interest Bearing (see disclosures)
• No minimum balance to receive interest
• Personalized “Money Maker” checks at no charge
• Unlimited check writing privileges
• Money Orders and cashiers checks (3 free per month)
• ATM/Debit Card* - Learn more about Debit Card Holds.
• Waived foreign Athens Federal ATM charges with Direct Deposit
• Athens Federal “No Annual Fee” credit Card (subject to Credit Approval)
• Onlne Banking and Web Bill Pay

NOW Account

• Open with $300
• Interest Bearing (see disclosures)
• Maintain $1,500 daily balance to earn APY
• Maintain $1,000 daily balance for no monthly service charge
• Monthly service charge $10.00 if daily balance falls below $1,000
• Unlimited check writing privileges
• ATM/Debit Card* - Learn more about Debit Card Holds.
• Athens Federal “No Annual Fee” credit Card (subject to Credit Approval)
• Onlne Banking and Web Bill Pay

Super NOW Account

• Open with $2,500
• Interest Bearing (see disclosures)
• Maintain $2,500 daily balance to earn APY
• Maintain $1,000 daily balance for no monthly service charge
• Daily balance below $2,500 - account reverts to NOW Account rates
• Monthly service charge of $10.00 if daily balance falls below $1,000
• Unlimited check writing privileges
• ATM/Debit Card* - Learn more about Debit Card Holds.
• Athens Federal “No Annual Fee” credit Card (subject to Credit Approval)
• Onlne Banking and Web Bill Pay

Money Market Account

• Open with $2,500
• Interest Bearing (see disclosures)
• Maintain $2,500 balance to receive APY and no monthly service charge
• Balance below $2,500 - reverts to NOW account rates
• Monthly service charge of $10.00 if daily balance falls below $1000
• Limited to six transactions monthly of which three may be checks
• Onlne Banking and Web Bill Pay

Seniority Checking - Age 50+

• Open with $100
• $500 Personal Line of Credit*
• Free Seniority Checking Checks
• Interest Bearing (see disclosures)
• Maintain $1,500 daily balance to earn APY
• No minimum balance requirements
• No monthly service charge
• Unlimited check writing privileges
• ATM/Debit Card* - Learn more about Debit Card Holds.
• Direct Social Security check deposit
• Athens Federal “No Annual Fee” credit Card (subject to Credit Approval)
• Senior Travel Club Membership
• Notary service
• Travelers checks, Cashiers Checks, Money Orders
• 10 Photocopies per month
• Onlne Banking and Web Bill Pay

President’s Choice Tiered Money Market Account

• Open with $5,000
• Tiered Interest - higher balances earn more*
• Maintain $5,000 daily balance to receive APY and no monthly service charge
• Daily balance below $5,000 - account reverts to NOW account rates
• Monthly service charge $15.00 if daily balance falls below $5,000
• Limited to six transactions monthly of which three may be checks
• Personalized “President’s Choice” checks at no charge
• Onlne Banking and Web Bill Pay

President’s Choice Checking

• Open with $2,500
• Tiered Interest - higher balances earn more
• Maintain $25,000 daily balance to receive APY and no monthly service charge
• Daily balance below $25,000 - account reverts to NOW account rates
• Monthly service charge $15.00 if daily balance falls below $25,000
• Personalized “President’s Choice” checks at no charge
• Money orders and cashier's checks (3 free per month)
• Athens Federal “No Annual Fee” credit Card (subject to Credit Approval)
• Notary service
• Travelers checks
• ATM/Debit Card* - Learn more about Debit Card Holds.
• 10 Photocopies per month
• Onlne Banking and Web Bill Pay

* Athens Federal Credit Card, ATM & Debit Card Subject to Approval.

* Personal Line of Credit Subject to Approval.

Click here to see our account disclosures.

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