banking

AAA Personal Checking Account

Manage Your Money with Ease

Open a Checking Account

Father and toddler sitting together at computer.

Monthly fees? You won't find them here.

Forget about maintaining a minimum balance every month.

Enjoy access to over 55,000 surcharge free ATMs worldwide.

Open a Checking Account

Woman holding a credit card while sitting at laptop

Why Choose AAA Personal Checking?

No monthly service charges to worry about
No minimum balance required—ever
Enjoy access to over 55,000 surcharge free ATMs worldwide
$25 minimum opening deposit
Comes with a AAA Mastercard^® Debit Card
Deposit checks, check your balance, or transfer funds—all from your phone with our mobile responsive website. Visit AAABanking.com from your mobile device or download AAA Mobile app
Statements available online or by mail
The service and safety expected of AAA—no membership required
FDIC insured for your protection (up to applicable limits)
Explore the Facts and Fees for this account below
For ease and convenience, you can make cash deposits, 24 hours a day, 7 days a week at select Allpoint ATMs. Locate the nearest Allpoint ATM accepting your cash deposit today.

Open a Checking Account

Facts and Fees

No surprises here—we've laid out all the facts and fees associated with our Personal Checking Account so you know exactly what you're getting when you sign up.

Facts	Fee
Monthly Service Fee Some accounts require a monthly fee—not this one.	$0
Overdraft Item/Non-sufficient Funds Fee We'll charge this to you if we pay for a transaction that you made but couldn't pay for due to insufficient funds	$35.00 per item
Return Item Fee A return item fee is charged when we must return a transaction you've made (i.e. a check you've written from an account with insufficient funds)	$35.00 per item
Return Deposited Item Fee This fee is charged if a check you have deposited is returned unpaid.	$10.00 per item
Stop Payment Fee If you request a payment not to be paid	$30.00
Dormant Account Fee If the activity in your account has slowed (i.e. you haven't logged in or made a transaction in 24 months)	$5.00

Account Services	Fee
Cashier's Check Fee (customers only) A check that's guaranteed by our bank	$25.00
Dormant Fee	$5.00
Escheatment Service Fee	$50.00
Rush Order for Debit or ATM Card If you need a new Debit or ATM Card rush ordered	$15.00
Non-AAA ATM Usage	$3.50 per transaction
Foreign Currency Conversion	2%*

Wire Transfers Another way to send money from one account to another	Fee
Wire Transfer Fee (incoming, domestic)	$0.00
Wire Transfer Fee (outgoing, domestic)	$25.00
Wire Transfer Fee (incoming, international)	$0.00
Wire Transfer Fee (outgoing, international)	$35.00

Open a Checking Account

*We may charge an international service fee equal to 2% of the amount of the transaction on any international transaction, such as a withdrawal from an ATM outside the United States, or an internet purchase from a foreign merchant. This fee applies regardless of whether the transaction occurs in U.S. Dollars.

Personal Checking FAQs

Personal Checking Account

How much do I need to open this account?

The minimum opening deposit for a Personal Checking Account is $25.

What is the interest rate for this account?

The Personal Checking Account does not earn interest.

What do I need to open this account online?

It’s good to have a few things handy so you can open your Personal 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 account statement.

What’s the routing number?

Our routing number is 072471968.

What is bill pay?

Bill pay service allows you to pay your bills right from your computer. 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 an added feature to your Personal Checking Account.

Debit Cards

Does this account include a debit card?

Yes. You’ll get a AAA debit card when you open a Personal Checking Account.

How can I use my AAA debit card?

You can use the AAA debit card a few different ways:

Make purchases worldwide, 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.

Can I change my Debit Card Pin number through the phone?

Yes, the Debit Card Pin number can be changed by calling 833.995.2869. You can activate your card or set-up your PIN by calling 866-392-9952.

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 800-236-2442.

Other

How can I order checks?

Make your first check order by calling us at 855.999.2265.

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 Checking Account