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

Account Details

  • 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
  • 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.



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.

Not sure how to open an account online? We can walk you through it. Just give us a call (855.999.2265) or email one of our customer service representatives today at AAABanking@acg.aaa.com.

Retrieve A Saved Application

To complete your saved application, click here and click on “Retrieve A Saved Application”. Please have the following information ready:

  • Application Number
  • First and Last Name
  • Email Address
  • Date of Birth
  • Social Security Number
  • Primary Phone Number (International: Include + followed by country code)