Yes. If you’d like to switch to another type of checking account, please let us know via online banking chat, by calling 1-888-476-2143, or by stopping by your local branch.

Yes, you may opt out of overdraft protection at any time for your Premium Checking account.

No, Premium Checking is only available for personal accounts and Revocable Trust accounts with a valid Social Security number.

No, Premium Checking is a benefit-driven account for members who are 18 years of age or older.

No. These benefits are only for Premium Checking accounts.

Yes.

Not on the same account number. You can open one on a secondary account if you already have the other on your primary account.

You can, however, have both Premium Checking and money market savings accounts.

It is $6 per month. When you first sign up, we will provide the first two months at no cost. 

It is charged on the first day of the month if the prior month’s fee waiver criteria is not met.

When a you meet the following fee waiver criteria, your next month’s fee is automatically waived:

• Have a direct deposit into your account of at least $500
• Complete* 20 or more transactions with your Visa credit or debit card
• Maintain an average daily checking balance of at least $1,500

*Pending transactions are not considered complete and will not count toward the monthly number of transactions until they are cleared.

Any purchase with your America First Visa® credit or debit card will count toward the 20 completed* transactions. Transfers or cash advances do not qualify.

*Pending transactions are not considered complete and will not count toward the monthly number of transactions until they are cleared.

At the end of every month, your daily balances are divided by the number of days in the month to calculate average balance.

Direct deposits received throughout the month are added up to create a total direct deposit received amount.

No, the monthly fee is assessed on the first of the month if the fee waiver criteria is not met.

Some benefits require 3-5 days before they appear active, such as: CouponzDirect, Shopping Saver and Identity Theft Protection.

Members must create a login with Allstate to register for Identity Monitoring services. Members can do this through mobile or online banking by selecting the Register for Protection link under Identity Protection Suite.

Mobile phone protection provides theft coverage immediately. However, there is a 30-day waiting period for accidental damage and mechanical failure coverage to activate.

Rewards points are earned in different ways, but all rewards points are combined into one pool on each member’s account.

Points are displayed dynamically in online and mobile banking when you have a product that qualifies for those points. Point balances will also be shown on your monthly statements.

Rewards Points are awarded monthly based on your Premium Checking Level (1-5). You may earn up to 600 points ($6 cash value) per month based on their relationship with America First:

• Level 1 – 0 points
• Level 2 – 25 points
• Level 3 – 50 points
• Level 4 – 300 points
• Level 5 – 600 points

ATM fee offsets are paid in rewards points. Special promotions may also offer Premium Checking account holders’ additional ways to earn points.

No.

Once you’ve logged into online banking, click the America First Rewards button below your point total. There, you’ll be able to choose whether to redeem points for cash or for rewards. You can also set up automatic redemptions on the America First Rewards portal page.

Cashier’s checks are free for members with Premium Checking.

Money orders are available at a reduced cost of $1 for members with Premium Checking.

Rewards points are accumulated by the number of product categories a member has with America First. The more categories, the higher their account level and the more points you earn.

• Level 1 – 0 points

• Level 2 – 25 points

• Level 3 – 50 points

• Level 4 – 300 points

• Level 5 – 600 points

Just having the Premium Checking account starts you at Level 1. Each additional product category increases your account level. The categories are:

• Visa® credit card
• Auto loan
• RV loan
• Real estate loan
• Deposit balance greater than $20,000

Premium Account Payback is deposited on the first of each month.

No. Premium Account level counts the number of eligible services/products on the last day of the month.

Rewards points are deposited in your America First Rewards account.

Any America First fees assessed for using a non-network ATM will be rebated to Premium Checking members as rewards points, up to $10 per month. Points are deposited at the beginning of each month. Fees from other institutions for using their ATMs will not be rebated.

You can be rebated up to $10 per month in rewards points.

Offsets are deposited on the first of each month.

No. You are eligible to file a claim for accidental damage beginning on the first day of the month after your coverage effective date. There is no waiting period for theft claims. 

Coverage effective date is one day after Premium Checking account is opened. However, you are eligible to file a claim for accidental damage beginning on the first day of the month after your coverage effective date. There is no waiting period for theft claims.

Phones owned by the primary account holder and active on their wireless phone bill are covered. This includes the primary line and an unlimited number of additional lines on the primary account holder’s wireless billing statement for the billing cycle preceding the month in which theft or damage occurred.

No. All phones owned by the primary account holder and any joint owners are automatically covered by having Premium Checking. No pre-registration required. Claims must be filed by the primary account holder.

Phones that are “leased” from a wireless carrier where the member has financial responsibility for the phone are covered. Phones which have been rented, borrowed or part of a pre-paid or “pay as you go” plan are not covered.

Visit the America First Rewards benefits page in online and mobile banking to submit a claim. 

No. They are not.

Yes. Mobile phone coverage provides reimbursement for the labor/parts necessary to repair or replace your eligible device in the event of a covered claim for accidental damage or theft. If the repair estimate is more than the current value of the phone, reimbursement is limited to the value of a device of line kind and quality.

All repairs needed as a result of accidental damage will be considered. Refer to the terms and conditions on the benefits page for specifics.

Mobile phone coverage can provide reimbursement for the labor/parts necessary to repair or replace your eligible device in the event of a covered claim for accidental damage or theft. Mobile phone coverage pays up to $850 minus a $50 deductible per claim.

Once your claim has been approved by a claims administrator, you will generally receive a reimbursement check within 5 to 10 business days.

Find answers to more questions regarding this coverage at https://afcu.nxgstrategies.com/nxgmobile/faqs.

No. This benefit does not cover mobile phones used for business purposes, cellular wireless telephones purchased for resale, professional, or commercial use. Mobile phones listed under business wireless plans are not covered.

You should call 855-915-1687 to speak with a Privacy Advocate.

A representative may ask additional information (e.g., your name and the last four digits of your Social Security number) to be able to fully assist you.

TransUnion provides the credit bureau monitoring services through our partnership with our service provider. A tri-bureau report is available annually. TransUnion reports are available daily via the Identity Dashboard.

Identity Theft Protection credit monitoring and dashboard use the VantageScore, not FICO.

Find answers to more questions regarding this coverage at https://afcu.nxgstrategies.com/nxgprotect/faqs.

Instructions are found within mobile and online banking by selecting the Identity Theft Protection link. You must use a valid email address as your username.

You can receive discounts at local and national merchants with our mobile-friendly website. Present the offer on your mobile phone or give a printed copy to the supplier for an immediate savings. Discounts are categorized as Premium Deals and Everyday Savings.

Premium deals offer 50% off, 2-for-1, and other deep discount offers provided by merchants. An offer must be used within 14 days of printing or redeeming.

These provide discounts at the point-of-sale when you present your mobile phone or printed online offer to the participating business. Merchants provide up to a 20% ongoing discount up to a maximum value of $25 per transaction. Offers must be used within 14 days of printing or redeeming and can be redeemed monthly.

If you have any issues with Shopping Saver, call 800-481-2703 for assistance.

No. However, you’ll access shopping saver coupons via America First online or the mobile banking app.

CouponzDirect is a coupon management service that searches for available digital grocery and pharmacy coupons. These offers are then loaded directly onto your registered store loyalty cards.

No. This benefit will be linked directly through the respective grocery stores loyalty card/program.

Digital store & manufacturer coupons can be be loaded to your store loyalty card. They are just like the paper coupons you can find in the newspaper but come in electronic form.

Yes, the electronic coupons have an expiration date, as determined by the store or manufacturer.