More Than Just A Debit Card
Debit cards at The Atlantic come with many advantages.
Open a checking account at The Atlantic Federal Credit Union and get up to $500 per year Cash Back on debit card purchases. With The Atlantic debit card you are enrolled in the uChoose rewards program.1 Plus, enjoy other great perks that come with a checking account from us.
Choose from several checking account options that meet your banking needs and start earning rewards now.
Debit Card Features
- Up to $500 per year with Cash Back on debit card purchases through uChoose rewards reedemable in Online Banking and the Mobile app
- Surcharge free access to over 40,000 ATMs nationwide across the MoneyPass network
- Manage your cards in Online Banking or the Mobile App, with Card Controls to monitor and protect your card transactons in real-time
- Save your debit card to your Digital Wallet for easy, contactless payment at retailers (Apple Pay, Google Pay, and Samsung Pay)2
Get Paid Early with The Atlantic's Early Pay
- With Early Pay, get early access to your paycheck up to 2 days ahead, with no fees, no enrollment, and more flexibility on your terms3
Checking Account Comparison
Smart Checking or Ultra Checking, which is right for you?
Ultra Checking
- Competitive dividend rate
(also known as interest rate) - Up to $500 per year in Cash Back on debit card purchases
- Up to $20 per month in refunds for surcharge fees at ATMs outside of The Atlantic's network
- Minimum balance of $1,000 or a direct deposit of $750+ to waive a $15 monthly account fee
- $1,000 to open
Smart Checking
- Convenient option offering access to many perks
- Up to $500 per year in Cash Back on debit card purchases
- Minimum balance of $100 or a direct deposit of $500+ to waive a $5 monthly account fee
- $100 to open
1The uChoose Rewards® Program is administered by Fiserv Solutions, LLC on behalf of The Atlantic FCU. This Program is available to all Accounts designated by The Atlantic FCU, provided you remain in good standing with the The Atlantic FCU. You will earn points for every qualifying net purchase (purchases less returns) as designated by The Atlantic FCU. Rewards Points earned during a calendar month are vested and available for redemption by the 1st day of the following month. Full program terms and conditions are available in Online Banking or the Mobile App.
2Only compatible with select cards, carriers and devices. All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them. Carrier data rates may apply during use of digital wallets.
3Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally 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. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Eligible direct deposits are limited to electronic direct deposits of items such as your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to your personal account.
Community Banking At Its Best
The Atlantic Federal Credit Union offers many of the same services as a bank, often with better rates and lower costs. As a not-for-profit financial cooperative, our only priority is meeting the needs of our Members. We pride ourselves on delivering personalized service backed by the latest in digital banking technology so you can bank whenever and wherever is most convenient for you. Plus, we exclusively serve Essex and Union counties in New Jersey, which means your hard-earned deposits are kept secure locally and loans are serviced locally.
Not Yet a Member?
Apply today to unlock all of the Membership benefits at The Atlantic, including great rates, low fees, access to the latest in online and mobile banking technology, and much more.
Who is Eligible for Membership?
Membership is available to anyone who lives, works, worships, attends school or regularly does business in Union or Essex counties in New Jersey. Businesses and legal entities in Essex or Union counties are also eligible.
Immediate family members of existing members, including your spouse, children, siblings, parents, grandparents, grandchildren, stepchildren, stepparents, stepsiblings and adopted children, are also eligible for Membership. Non-related individuals living in the same household can also qualify.
Not sure if you are eligible? Call us at 908.245.1750.
