Personal Savings FAQs

Personal Savings Account

How much do I need to open this account?
The minimum opening deposit for a Personal Savings Account is $25.

What is the interest rate for this account?
The interest rate is tiered and you can earn up to .40% APY*.

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).

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

What’s the routing number?
Our routing number is 072471968.

Debit Cards

Does this account include an ATM card?
Yes. You’ll get a AAA ATM card when you open a High-Yield Savings Account.

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

  • Make cash withdrawals from your checking or savings account from ATMs.
  • 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 ATM card?
Yes. The daily limit for ATM withdrawals is $800.


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.

*Represents highest tiered interest rate available for account. Rates are variable and subject to change without notice. View the current interest rate table for our Personal Savings Account.