High-Yield Checking FAQs

High-Yield Checking Account

How much do I need to open this account?
The minimum opening deposit for a High-Yield Checking Account is $100.


What is the interest rate for this account?
The interest rate for this account is 2.85% APY* on balances of $0.01-$10,000 when you meet the monthly qualifications:

  • Make just 12 debit card purchases per month ($5 minimum for each transaction)
  • Have at least one direct deposit or ACH automatic payment ($200 minimum)
  • Receive paperless electronic statements

If qualifications are not met, the interest rate is .05% APY*. All balances greater than $10,000 will earn an interest rate of .05%.

Our interest rates are variable and do change periodically; if you’d like to confirm rates before opening an account, call us toll-free at 855.999.BANK (2265).


When is the interest rate applied to the High-Yield Checking Account?
Interest is credited at the end of your statement cycle.


What kinds of fees are associated with this account?
Find out on the Facts and Fees page for our High-Yield Checking Account.


What do I need to open this account online?
It’s good to have a few things handy so you can open your High-Yield Checking Account easily and quickly.

  • Your Social Security Number or Individual Tax Identification Number (ITIN)
  • A U.S. government-issued photo ID (like a driver’s license, passport, state, or military ID)
  • A U.S. checking or savings account to fund your new account
  • An active email address

How do I add money to my account?
You can add money a few ways:

  • Transfer money between your different AAA accounts
  • Transfer money between your AAA account and your non-AAA banking accounts
  • Use our mobile app to deposit checks
  • Set up direct deposit for your paychecks
  • Add money via wire transfer

Where can I find my checking number?
Your checking account number is located at the bottom of your checks. The account number is also located on the back of your Account Agreement and on your monthly statement.


What’s the routing number?
Our routing number is 072471955.


What is bill pay and is it free?
Bill pay service allows you to pay your bills right from your computer or phone. Instead of writing checks, buying stamps, and rushing to get them out the door on time, you can pay your bills easily and quickly (stamp-free!) from your AAA account. Bill pay is free with your High-Yield Checking Account.



Debit Cards

Does this account include a debit card?
Yes. You’ll get a free AAA debit card that will give you unlimited usage at ATMs nationwide when you open a High-Yield Checking Account.


How can I use my AAA debit card?
You can use the AAA debit card a few different ways:

  • Make purchases, even at businesses that typically don’t accept checks, like gas stations, restaurants, and online merchants.
  • Make cash withdrawals from your checking or savings account from ATMs and point-of-sale terminals.
  • Monitor your balance and transfer funds between your checking and savings accounts at most ATMs.

Is there a daily ATM withdrawal limit for the AAA debit card?
Yes. The daily limit for ATM withdrawals is $800.


How do my unlimited withdrawals/debits work?
You can use your AAA debit card at any ATM nationwide, fee-free, when you meet monthly qualifications:

  • Make just 12 debit card purchases per month ($5 minimum for each transaction)
  • Have at least one direct deposit or ACH automatic payment ($200 minimum)
  • Receive paperless electronic statements

You will initially be charged the ATM fee, but we will refund it to your account once you have met the above qualifications each statement cycle. International ATMs are excluded from this feature.**


Can I change my Debit Card Pin number through the phone?
Yes, the Debit Card Pin number can be changed by calling 800.992.3808.


What should I do if my card is lost or stolen or if I notice fraudulent debit card transactions?
Contact us immediately by calling 855.999.2265 during banking hours. After hours, for lost or stolen cards, please call 800.472.3272.



Other

How can I order checks?
Make your first check order by calling us at 855.999.2265. Any check orders thereafter can be made easily online through ordermychecks.com


What is Popmoney®?
Popmoney® is a service that enables you to transfer funds to another bank or to an individual for a nominal $.50 charge. It’s an easy and quick way to pay someone back or transfer money without having to write and send a check.


How secure is my online account?
By banking through AAA, your account is safe—it’s our top priority. We use state-of-the-art technology to ensure the safety of your account information 24/7.


Is your bank FDIC insured?
Yes. Our bank is FDIC insured under our legal name, Auto Club Trust, FSB.


Do I have to be a AAA member to open an account?
Being a AAA member is not required to open an account with us. If you are not a AAA member but would like to become one, please call 800-AAA-6424.


OPEN A HIGH-YIELD CHECKING ACCOUNT

*Annual Percentage Yield (APY) accurate as of 12/1/2017. Rate tiers are as follows: 2.85% APY applies to balances of $0.01-$10,000 and .05% APY applies to balances over $10,000 as long as qualifications are met each qualification cycle: .05% APY applies to all balances if qualifications are not met. Rates are variable and may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made.

Those who do not meet the requirements will still enjoy free checking for that month and there is no penalty for not qualifying in a given cycle. A base .05 APY will be earned for that month, returning to 2.85 APY with ATM refunds in the next qualifying cycle month.

**To qualify you must make at least 12 debit card purchases of $5 or more, make one direct deposit or Automated Clearing House (ACH) payment of at least $200 and receive electronic statements each cycle month. Those who do not meet the requirements will still enjoy free checking for that month and there is no penalty for not qualifying in a given cycle. A base .05 APY will be earned for that month, returning to 2.85 APY with ATM refunds in the next qualifying cycle month.



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