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Gana un 1% de reembolso en efectivo en tus compras1 cuando uses tu Affinity Cash Back Debit Card.

Abre una Cuenta

Elija Affinity para sus necesidades de tarjeta de débito.

Somos una organización sin fines de lucro que existe para servir a nuestros miembros. Somos propiedad de nuestros miembros y operamos para promover su bienestar, devolviendo las ganancias en forma de tarifas reducidas, tasas de ahorro más altas y tasas de préstamo más bajas. Además, como cooperativa financiera, nuestros miembros también son copropietarios y cada uno de ellos tiene un voto en la gestión de la credit union. Ofrecemos un lugar seguro para ahorrar y pedir prestado a tasas razonables, brindamos educación financiera continua a nuestros miembros y ofrecemos nuestro tiempo y recursos para retribuir a nuestras comunidades locales.

MUCHO MÁS QUE UNA CUENTA BÁSICA

Gana un 1% de Cash Back1 en compras diarias.

Empieza a recibir recompensas por tus compras con tarjeta de débito, incluidas las compras sin contacto, en línea y a través de pago móvil.

Obtén acceso a más de 30,000 cajeros automáticos sin tarifas2

Además, aproveche la redacción de cheques y retiros ilimitados, sin cargos de mantenimiento mensuales al inscribirse en eStatements3.

Recibe tu pago hasta 2 días antes4 con depósito directo

Recibe tu pago hasta 2 días antes cuando configures el depósito directo para tu cuenta Affinity Cash Back Debit.

Tarjeta de Débito Cash Back de Affinity
La tarjeta Affinity Cash Back Debit es GRATIS con su cuenta de cheques.

¿Por qué pagar en efectivo por artículos de uso diario cuando puedes usar la tarjeta Affinity Cash Back Debit? Después de todo, ¡el efectivo no te devuelve el 1% en todo lo que compras!

  • Úsala para pagar en millones de lugares que aceptan tarjetas de débito VISA
  • Tarjetas de débito sin contacto, para que pases menos tiempo en la tienda y más tiempo en lo que importa
  • Monitoreo continuo de fraude y la Política de Cero Responsabilidad de Visa5 te protegen de cargos fraudulentos

Cuenta de Ahorros SmartStart
Pon tu Cash Back a Trabajar

Gana hasta 3.50% APY en tu reembolso en efectivo cuando guardas tus ganancias mensuales en una cuenta de ahorros SmartStart galardonada. Ganarás dividendos sobre tu reembolso en efectivo mientras también haces crecer tus ahorros.

Aprende más
Imagen de Tarjeta de Débito de Billetera Digital

Pagar Sin Plástico, Con Seguridad


Toca para Pagar® o coloca tu tarjeta en tu billetera digital para usar con Apple Pay™, Google Pay™ o Samsung Pay™.

mobile pay payment icons

A VECES EL DINERO SE PONE AJUSTADO

Por eso ofrecemos a los miembros cuatro niveles de protección contra descubiertos y pagos.

Icono de Cobertura Incluida
Pago por Cortesía Estándar6
(incluido automáticamente)

Te cubre si un cheque, una transacción ACH saliente, un pago automático de factura o un pago recurrente con tarjeta de débito
excede tu saldo disponible2.

Pueden aplicar tarifas

Más información >

Icono de Cobertura Opcional
Cortesía de Pago con Tarjeta de Débito7
(servicio de suscripción)

Cobertura opcional para un pago único destinado a cubrir una transacción de débito o cajero automático que exceda el saldo de su cuenta. No hay cargos por transacciones menores a $75.

$15 por cargo de transacción por montos superiores a $75

Obtenga más información >

Icono de Cobertura Opcional
Plan de Protección contra Sobregiros
(servicio opcional)

Vincula tu cuenta de cheques a otra cuenta elegible de Affinity para transferir automáticamente fondos cuando hayas excedido el saldo de tu cuenta de cheques.

No hay cargos por usar esta función

Obtén más información >

Icono de Producto Opcional
Línea de Crédito por Sobregiro

Solicite una línea de crédito para transferir automáticamente fondos en caso de sobregiro. Solo paga intereses cuando utiliza la línea de crédito.

Aplica Ahora

CÓMO ABRIR TU CUENTA DE AFFINITY CASH BACK DEBIT

1
¡Únete a Affinity!
Nuestras cuentas de ahorro, tarjetas de débito y otros servicios son solo para miembros. Unirse es fácil: Únase en línea o llámenos al 800.213.5003.
2
Solicita una cuenta de Cash Back Debit
Comience su solicitud en línea, en sucursal o por teléfono—haga clic aquí para ver todos los detalles.
3
Fondea tu cuenta
Si bien no hay un requisito de saldo mínimo, un depósito inicial de $5 es todo lo que se necesita para desbloquear y disfrutar de todas las características de tu cuenta. Deposita cheques con la aplicación Affinity Mobile Banking y deposita efectivo en el cajero automático o la sucursal. Cuando estés listo para mover tu depósito directo a tu nueva cuenta de Affinity, simplemente proporciona tu número de cuenta de cheques y nuestro número de ruta (221283512) a tu Departamento de Nómina.

PREGUNTAS FRECUENTES

General questions
Do debit cards offer cash back?

Some people think that only credit cards offer cash back rewards, but the Affinity Cash Back Debit Card rewards users with 1% cash back1 on all debit card purchases.

How does cash back work with Affinity Cash Back Debit?

Every time you make a purchase with your debit card, you earn 1% cash back1. Your cash back earnings are deposited right back into your account at the end of the month. How's that for convenience?

What is a checking account?

It's an account with a financial institution, like a bank or credit union, that lets you deposit money and access it in various ways to help you manage your day-to-day financial life. With a checking account, you can write checks, make transactions at the ATM, make online and mobile transfers, pay bills and more.

What is a checking account used for?

A checking account is typically used to deposit, hold and access money needed for daily and recurring expenses. So, for example, you may deposit your paycheck into your checking account and then use that money to pay your mortgage or rent, get cash for daily expenses, pay bills, and buy groceries.

Affinity checking account and debit card questions
What types of checking accounts does Affinity offer?

Affinity offers a variety of checking accounts, including options that earn cash back or dividends. No matter which you choose, you'll enjoy convenient access to your money and excellent benefits. Learn More >

How do you earn cash back on a debit card?

When you use the Affinity Cash Back Debit Card to pay for something, the cash back reward automatically happens: 1%1 of the purchase price is credited back to your account at the end of each month.

Is there a limit on how much cash back I can earn?

You earn 1% cash back1 on up to $1,000 in debit card purchases a month, up to $120 per year.

What are the requirements for opening an Affinity checking account?

For checking products, the primary applicant must be age 13 or older. We would also review each applicant's ChexSystems Consumer Disclosure to determine eligibility for membership and/or checking products.

Is the number on my Affinity Cash Back Debit card the same as my checking account number?

No. Your debit card has its own number, and is linked to your checking account, which has a different number. Your checks will show the account number at the bottom, as well as the routing number for Affinity Federal Credit Union (221283512).

How do I move my direct deposit paycheck to Affinity?

When you're ready to move your direct deposit to your new Affinity account, simply provide your checking account number and our routing number (221283512) to your Payroll Department.

How can I avoid overdrawing my account?

We have you covered with overdraft protection options designed to help when there is not enough money in your account to cover a transaction. Learn more about Affinity Standard Courtesy Pay, Debit Card Courtesy Pay, Overdraft Protection Plan and Overdraft Line of Credit.

Can I use my Affinity Cash Back Debit Card for mobile payments?

Yes. You can add your card to your mobile wallet to pay with Google Pay™, Apple Pay™ and Samsung Pay™.

Join Affinity Federal Credit Union
How do I join Affinity?

Almost anyone can be eligible for membership! We have relationships with over 2,000 businesses, associations and clubs, and you can join Affinity through your association with one of them.

If you are not eligible through one of these paths, you have the option to join by making a one-time $5 donation to the Affinity Foundation whose vision is to end the cycle of poverty for those we serve.

What is the fee to join?

With Affinity you are more than a member, you are part owner. Affinity is owned and controlled by members who use its services.

This ownership happens when you establish your $5 membership account, which gives you one par value share in Affinity. This is not a transactional account, and these funds will not earn dividends. The account must remain open and funded with the $5 during your membership with Affinity.

Where is the closest branch location?

Our digital tools, such as the Affinity Mobile Banking App and Online Banking, make it easy to manage your account and deposit checks right from your phone. You can also view our branches, shared branching locations and ATMs by visiting Affinity locations.

What is the difference between a credit union and a bank?

Credit unions, unlike banks, are based on a cooperative or "co-op" model in which the members are also the owners. This is the biggest difference between credit unions and banks. While a bank is a for-profit company that distributes profits among shareholders or individual owners, a credit union is a not-for-profit institution "owned" by its members. Therefore, you can think of credit union membership as buying a stake in an organization rather than paying somebody else in exchange for services. Learn more.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google Inc. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd. 

1Earn 1% Cash Back on up to $1,000 in debit card purchases (point of sale purchases can be either a PIN or signature debit card purchase, including online transactions) each month. Up to $120 cash back per year maximum. Cash back earned each month will be credited to your Affinity Cash Back Debit Account by the next month's statement cycle. ATM transactions, the purchase of money orders or cash equivalents, loan payments and account funding made with your debit card are not eligible for cash back rewards.

This offer is only eligible with an Affinity Cash Back Debit Account. This account requires an initial opening deposit of $5.00. There is no minimum balance requirement for this account. Cash back offer terms and conditions are subject to change without notice. Cash back earned may be reported on an IRS 1099 Form, if applicable.

2You can make an unlimited number of withdrawals from ATMs in our surcharge-free CO-OP Network without any surcharge from the owner of the ATM. There is no charge for out-of-network ATM transactions.

3To qualify for no monthly fees and avoid the $2 monthly paper statement fee, upon opening your Cash Back Debit Account, you must enroll in paperless statements (eStatements) either by registering and logging in to your Online Banking or Mobile Banking account. For new members the paper statement fee is waived for the first 45 days of membership, after that, if you have not enrolled in eStatements you may be assessed a $2 paper statement fee per month. Enrollment in eStatements means you will not receive mail delivery of your statements and you have agreed to Electronic Delivery Disclosure. You may withdraw your consent to receive paperless statements anytime by logging in to your Online Banking or Mobile banking account. If you choose to withdraw from eStatements you will be charged a $2 monthly paper statement fee.

Note: The fee is waived for tenant accounts, members age 70 or older; and children age 12 and under.

4Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Once your direct deposit goes into effect, Affinity may make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. On occasion, we may not receive your deposit information ahead of time from the ACH originator and may not be able to post your deposit early. In this case, your deposit will post on the scheduled posting date. We recommend that you do not write checks or authorize any other withdrawals against your direct deposit funds until you verify the funds have been posted to your account. Affinity FCU is not responsible for overdraft fees or penalties resulting from transactions that occur due to anticipated early direct deposit postings.

5The Zero Liability policy applies to U.S.-issued cards only; it does not apply to commercial card transactions, ATM transactions or PIN transactions not processed by Visa®.

6Standard Courtesy Pay – A discretionary service that allows Affinity to pay certain transactions presented against a qualified checking account even if they cause the account to become overdrawn. Authorizes Affinity to pay overdrafts for the following types of transactions: checks and other transactions made using your checking account number, automatic bill payments, and recurring debit card transactions. We will charge you a fee of $33 each time we pay an overdraft. There is no additional cost associated with this service unless you use it. Time for Repayment: We reserve the right to require you to pay an overdraft immediately. You are responsible to pay any negative balance in your account, and should make every attempt to bring your account to a positive balance within 30 days. If, after a period of time, your account has not been brought to a positive balance, we may suspend your account and take other steps to recover the funds, including collection and/or legal action. There is no limit on the total fees we can charge you for overdrawing your account. Circumstances Under Which We Would Not Pay - The circumstances under which we would not pay an item or debit that would overdraw your account are entirely at our discretion, and we reserve the right not to pay. For example, we typically wouldn’t pay if your account is not in good standing, or you are not depositing regularly, or you have too many overdrafts. The fact that we pay one or more items creating overdrafts does not obligate us to do so in the future.

7Debit Card Courtesy Pay – A discretionary service, which you must affirmatively consent to by opting in, that allows Affinity to pay certain transactions presented against a qualified checking account even if they cause the account to become overdrawn. This consent authorizes Affinity to pay overdrafts for the following types of transactions: ATM transactions and everyday debit card transactions. We will charge you a fee of $15 each time we pay an overdraft for transaction amounts of $75 or greater. No fee is charged for transactions below $75. There is no additional cost associated with this service unless you use it. Time for Repayment: We reserve the right to require you to pay an overdraft immediately. You are responsible to pay any negative balance in your account and should make every attempt to bring your account to a positive balance within 30 days. If, after a period of time, your account has not been brought to a positive balance, we may suspend your account and take other steps to recover the funds, including collection and/or legal action. There is no limit on the total fees we can charge you for overdrawing your account. Circumstances Under Which We Would Not Pay: The circumstances under which we would not pay an item or debit that would overdraw your account are entirely at our discretion, and we reserve the right not to pay. For example, we typically wouldn’t pay if your account is not in good standing, or you are not depositing regularly, or you have too many overdrafts. The fact that we pay one or more items creating overdrafts does not obligate us to do so in the future.