Basic checking is a mainstay of your financial toolbox. No monthly fee, no per check fee, no minimum balance. Not only that, but you’ll enjoy three layers of protection against expensive overdrafts.

Overdraft Protection from Savings

The first line of defense against overdraft fees allows you free transfers from up to four other accounts. Transfers are automatic and free!  Tip: You can even set up an email alert to let you know if you’ve had an overdraft.

Overdraft Protection Line of Credit

One of the accounts you can transfer from for overdraft protection is this line of credit designed especially for covering those little errors in your checkbook. This is the second line of defense against the embarrassment of an overdraft.

Courtesy Pay

Courtesy Pay is the final option to protect you from the added expense of a returned check or ACH. This allows you a measure of safety against life’s unexpected emergencies.

Mastercard Debit

Looks like a credit card, works like a check, and it’s safer than cash. Save money when you swipe your card and say “Credit!” Use it with a PIN at more than 30,000 Co-op ATMs through the United States.

We are ready to test our new “chip” debit cards, and we are scheduled to go live on October 23rd.

What should you expect?
If your current card expires in November, you will be issued a new EMV card before the end of November. We plan to issue new cards to all remaining cardholders after that by the end of the year.

What should you do when you get your new card?
Once you receive your new EMV card, follow the instructions on the sticker to activate it. You can expect a PIN mailer to arrive shortly before or after your card. Keep this mailer for the life of your card. Not only does it contain the random PIN number assigned to your card, but it has a reference number and instructions on how to change the PIN to something more memorable. After activating your card and changing your PIN, you may destroy your old card.

We hope you will enjoy your safer, EMV-enabled “chip” card!

High Voltage Checking






This ain’t your parents’ checking account!

Take our regular checking and power it up to 11. You’ll earn 5% on your average balance up to $1500 just for taking advantage of the services you love, like:

  1. e-Statements
  2. Billpay
  3. e-Alerts
  4. Direct Deposit
  5. Debit Card

If you don’t use all 5 of the required services, don’t worry! There’s no fee for this account.

And here are some other great reasons to have a checking account with ATLFCU:

  • Our Mobile App
  • Block your debit or credit card from your phone
  • Remote Deposit your checks using your phone
  • More than 30,000 ATMs nationwide
  • Transfer money to your friends by text or e-mail

Need to order checks? Click here.

Need to find an ATM? Click here.



Bill Pay Banner

Take Control! With CU*EasyPay, you decide what you pay, when to pay, and how to pay. Are you uneasy about giving out your account information? Keep your information safe! No checks, no stamps, no fuss! Tip: Set up an e-mail alert to notify you when a bill has been paid.


We will be launching a new, enhanced, online bill pay on June 15! The new system will include features that we expect will make this valuable tool even better, including:

  • Full integration within online banking
  • Full mobile functionality for your phone or tablet
  • Ability to configure email alerts
  • Real-time access to checking account balance
  • Reminders if balance isn’t sufficient to pay bills
  • A more intuitive, user-friendly experience

There are some important steps you will need to take to prepare for this switch. Please check out the links below.

Kickstarter FAQ for Members How to Collect Payee Information Find Payee Info Video  Payee Collection Form

VISA Prepaid Debit

Preload a VISA Prepaid Debit card to use for your internet purchases. Take one on vacation. Or load a card for your college student with a simple phone call. A VISA Prepaid Debit card will make your young teen feel grown up and you can monitor their activity online. Best of all, everyone’s approved.