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 kinds of fees are associated with this account?
Find out on the Facts and Fees page for our Personal 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 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.

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 800.754.4128.



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

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.