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Free Checking Accounts with No Minimum Balance

Your checking account shouldn’t feel like a contract. It should feel like a tool.
 
 

Simple, Affordable Checking for Real Life

At AmeriChoice Federal Credit Union, our checking accounts are built for real life. AmeriChoice offers free checking accounts with no monthly maintenance fee, no minimum balance requirement, debit card access, cash back options, and automated savings features. Morning coffee, autopay bills, last-minute dinners, and quiet discipline of saving a little without noticing — all supported by simple, flexible access to your money.


Does AmeriChoice offer free checking accounts?

Yes. AmeriChoice Federal Credit Union offers free checking accounts with no monthly fee and no minimum balance requirement. Members can choose between Simplified Checking and Save the Change Checking, with options for debit card access, cash back rewards, and automated savings.

Two Ways to Bank Smarter

Simplified Checking
Save the Change Checking
Monthly Fee
 $0
$0
Monthly Balance
 None
None
Debit Card
Optional
Included
Cash Back*
Optional
 Optional
Automated Savings**
No
 Yes

Which Account Is Right for Me?

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Save the Change Checking

Best for members who want everyday debit card purchases to automatically help build savings over time. Each purchase made with a VISA Debit Card is rounded up to the nearest dollar, and the difference is transferred into a special savings account.

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Simplified Checking

Best for members who want a simple, free checking account with no minimum balance, no monthly maintenance fee, debit card access, and optional cash back opportunities through CardCash™.

How to Earn Cash Back on Checking
AmeriChoice allows members to earn up to 1% cash back via the CardCash™ program. To qualify:

  1. Use your Debit Card: Shop at any retailer that accepts Visa.
  2. Select "Credit": Ensure the transaction is processed as a non-PIN purchase.
  3. Effortless Growth: Depending on debit card activity, members may save an estimated $30–$50 per month through automatic round-ups. Actual savings vary based on spending behavior.

Enroll in CardCash™ to activate cash back rewards. Enroll today to earn up to 1% cash back on your qualified non-PIN debit card purchases. Earn UNLIMITED cash back monthly.*

Ready to start earning?
Enroll in CardCash™
 *Terms and Conditions apply.

The "Save the Change" Round-Up Account 
Our Save the Change Checking is an automated savings tool. It works by: 

  • Rounding Up: Every debit purchase is rounded to the nearest whole dollar amount.
  • Auto-Transfer: The spare change is moved from your checking to your savings account daily.
  • Effortless Growth: Members may save an average of $30–$50 per month without changing their spending habits.
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Frequently Asked Questions

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Ask our Customer Support

Does AmeriChoice offer free checking accounts?
Yes. AmeriChoice offers free checking account options, including Simplified Checking and Save the Change Checking.
Is there a minimum balance requirement?
No. AmeriChoice checking accounts are available with no minimum balance requirement.
Is there a monthly maintenance fee?
No. AmeriChoice checking accounts have no monthly maintenance fee. Some optional services may have separate fees.
Does the checking account include a debit card?
Yes. AmeriChoice checking accounts include a VISA Debit Card, giving members access to cash at ATMs nationwide and the ability to make everyday purchases.
How does Save the Change Checking work?
With Save the Change Checking, each purchase made with your VISA Debit Card is rounded up to the nearest dollar. The difference is automatically transferred into a special savings account, helping you save a little at a time through everyday spending.
Can members earn cash back on checking?
Yes. Members can enroll in CardCash™ to earn up to 1% cash back on qualified non-PIN debit card transactions. An activated AmeriChoice debit card and enrollment in CardCash™ are required. Terms and conditions apply.
Can I open a checking account online?
Yes. Members can open an AmeriChoice checking account online by selecting the “Open an Account” button on the page.