Online Banking Login


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All Academic FCU Checking Accounts feature:

  •  Free Online Banking
  •  Free Mobile Banking
  •  Free Debit Card
  •  No Monthly Maintenance Fees
  •  No Minimum Balance
  •  Earns Interest
  •  Access to over 55,000 Free ATMs Nationwide

Academic Federal Credit Union's share draft (checking) accounts have no minimum deposit requirement, no per check fee, no monthly fee and no limit on the number of checks you can write per month. Members can easily manage their finances with our free online banking with electronic bill pay and free mobile banking.

Convenient - Academic FCU is now part of the Allpoint Network. Members now have access to over 55,000 FREE ATMs nationwide! Conveniently located at: 7-Eleven, Costco, Target, Walgreens, CVS, McDonalds, Dunkin Donuts, and more! To find the nearest ATM in your neighborhood, visit or download the Allpoint app on your smartphone today!

Smart - Academic FCU's share draft accounts earn you a monthly dividend. (See rates for details.) You can protect this account by applying for a Line of Credit that can be used as overdraft protection to ensure you never bounce a check. (See loans for details) They also earn Scorecard Rewards points, and members can also receive a ton of discounts on everything from car insurance to electronics!

The only fees associated with your share draft account are the cost of having checks printed with your name and address, fees for certifying checks, returned checks, overdraft transfers to cover checks, and stop payments. ATM fees will also be incurred after five (5) ATM withdrawals per month. Please see our fee schedule for details.

Debit Cards

Our convenient VISA debit card is linked to your share draft account (checking) as well as your primary share (savings) account. You can use it to debit your share draft account directly at a Point-Of-Sale transaction, as well as getting cash at ATMs with absolutely no fees from us for the first five withdrawals per month. After five ATM withdrawals, there is a $0.50 per transaction fee. For your protection the credit union will allow you to withdraw funds up to a maximum of $500 per day from any ATM machine with a VISA logo on it. Be aware that ATM machines have their own restrictions and may not allow access to that much money at one time. Charges from other institutions may be incurred, so be sure to read the information on the machines before you access your account.

Academic FCU also has access to many surcharge free ATMs. Please visit to find a convenient free ATM location near you.

Learn more about merchant rewards! Visit our rewards page to learn more.