Checking Account

convenience when you need it most

Designed for your everyday needs, Forest Area Federal Credit Union (FAFCU) offers convenient checking accounts and a debit Mastercard that can be used for purchases and withdrawals from the account. Plus, walk out with your new debit Mastercard the same day thanks to our instant-issue technology!

Browse our account offerings and choose the right one for you.

No service fees

Overdraft protection

Debit Mastercard with access to over 30,000 fee-free ATMs (2)

Access to more than 250 shared branch locations across the nation

Free mobile app with remote deposit capture (3)

Free online banking with bill pay and LoanPax Xpress

NEW SUPERIOR CHECKING Earn dividends on balances up to $15,000*. Learn more about Superior Checking.

• Unlimited number of transactions 

• No minimum balance requirements** 

• Dividends paid monthly

SHARE DRAFT Earn ScoreCard Rewards on qualifying purchases with your Debit Mastercard. Points can be redeemed for gifts, travel, and more!

• No minimum deposit requirements 

• No minimum balance requirements**

Life moves fast, which makes it important to have a checking account that can keep up with your daily routine. At Forest Area Federal Credit Union, we’re committed to improving the lives of our customers by simplifying their finances and providing access to their accounts, whenever and wherever they need it. You’ll be able to conveniently check your personal checking account on your mobile device, and have the freedom to transfer funds, pay off bills, and review statements with complete ease. Your online checking account will also provide you with information that can help improve spending habits and easily track your purchases.
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Not a Member?

We proudly serve members in Grand Traverse, Kalkaska, Antrim, Crawford, Missaukee, and Wexford counties who meet our membership requirements.

Discover our low loan and mortgage rates, secure banking options, and friendly staff. Apply to be a member today!

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1. Standard messaging rates apply.

2. Debit transactions are free when card issued at a CO-OP Network ATM or processed at retail outlets as a credit card. FAFCU will charge a $2 fee to use all other non-CO-OP Network ATMs, and you may be charged a fee by the ATM owner. Applications for ATM/Debit cards are subject to approval.

3. Standard data rates apply. 

4. Members must be at least 18 years to open a Share Draft Account or have a parent as a joint owner on the account.

5. If you do not meet all the requirements, you will not earn the dividends for the month. Please note, this is a free account so there will not be any charges or penalties for not earning the dividends. No minimum deposit required upon account open. APY stands for Annual Percentage Yield. Deposits made after $15,000 will earn 0% APY dividends. *Rate tiers as follow: $0 -> $15,000 – 3.04% APY or $15,000 and up – 0.00% APY. Rates may be subject to change without notice (if applicable). Rates are effective as of 10/1/2020.See additional information and full disclosure.