Choose the Checking Option Right for You
Free Checking
A no-hassle account with no minimum balance or fees for day-to-day spending and the essentials most households need.
Harvest High-Yield Checking
Put your money to work for God’s kingdom! With Harvest High-Yield Checking, you earn 4.00% APY*,3 and support spreading the Gospel.
Start Young Checking
A Youth Account to help your kids learn real-life financial skills in a safe account that grows with them from 0-17 years of age.
| Features | Free Checking | Harvest High-Yield Checking | Start Young Checking (For Ages 0-17) |
|---|---|---|---|
| NO Monthly Service Fees |  | | |
| NO Minimum Balance Required1 | | | |
| Free VISA Debit Card with Extended Warranty & Buyer’s Protection Insurance | | | |
| Earns Rewards2 and Gives to Missions | | | |
| Free Mobile, Tablet, and Online Banking | | | |
| Earns Dividends | 4.00% APY3 | ||
| 30,000+ Co-op ATMs & Over 5,600 Co-op Shared Branches nationwide4 | | | |
| Open an Account | Open an Account | Open an Account |
Gives to Missions with Visa Debit Card signature-based purchases.
A Christian Credit Union That Puts Your Money to Work
As a member-owned credit union, AdelFi is built to serve you, not outside shareholders. That means fewer fees, more competitive rates, and more thoughtful decisions about how your money is used.
Your deposits help support lending and services that strengthen Christian families, churches, and ministries across the country. It is everyday banking connected to faith-based stewardship and Kingdom impact. Your credit card purchases also support Christian missions worldwide through our “Cards that Give to Missions” program.
Explore Our Services
Digital Banking
You’re never too far from your money with our free digital banking apps that make life easier. Data carrier rates and fees may apply.
Direct Deposit
Get your money quicker. Simplify your budgeting. Avoid ATM lines. When you choose our Direct Deposit for your payroll, Social Security, or pension check, you get all of these benefits and more.
Be sure to sign up within Online Banking!
DoubleCheck
Receive alerts by text or email so you can rectify the situation before your transaction is declined.
*When using DoubleCheck, a $20 service charge applies and an additional 2.5% credit card transaction fee if a credit card is used.
Courtesy Pay
You can easily opt-in within Online/Mobile Banking when you’ve opened your account.
Need to Re-Order Checks
Trusted Christian Banking for Close to 70 Years
AdelFi has served believers with practical, reliable banking for decades. Today, that same care continues with nationwide access, modern digital tools, and a team committed to serving you in a way that honors God and advances His Kingdom.
Questions About AdelFi Checking Accounts
AdelFi offers checking options with no monthly service fee. Some account features may have specific requirements. Click HERE for current checking options and features.
Yes. You can open a checking account online at any time. You will need a valid ID, your Social Security number, and an initial deposit. AdelFi membership is required to open an account.
Yes. All AdelFi personal checking accounts include a debit card for purchases and ATM access. In fact, when you use your FREE Visa Debit Card, you give to missions and earn rewards on every purchase…at no cost to you. Plus, online and mobile banking tools to manage your money day to day.
Yes, each account is covered $250,000 per deposit account (NOT per member) by American Share Insurance (ASI). Compared to FDIC, ASI insures each and every account of an individual member up to $250,000, with no limit to the number of accounts that can be insured. If you have 10 separate accounts with AdelFi, up to $2,500,000 of your deposits are covered! This equates to exceptional insurance compared to the big banks.
AdelFi is a member-owned Christian credit union. We are not-for-profit, which means earnings go back to members through better rates and lower fees. Your deposits also support ministry lending and Christian organizations. That is something a traditional bank cannot offer.
Open Your Christian Checking Account Today
Choose the checking option that fits your life, then apply online to get started.
Terms & Conditions
Offer effective 05/23/2026 and is subject to change without notice.
- No minimum balance required after $100 opening balance.
- One CURewards point for every $2 in signature-based purchases with the Visa Debit Card. If you do not qualify for a Visa Debit Card, you may receive an ATM Card. No CURewards points are earned using an ATM Card.
- APY = Annual Percentage Yield. APYs are accurate as of 05/23/2026 and are subject to change without notice. Fees may reduce earnings. No minimum balance required after required $100 opening deposit. Higher-yield APY will be paid on maximum balance of $5,000. Balances in excess of $5,000 will earn the lower dividend rate of 0.05%.
- ATMs available through the CO-OP Network. A surcharge fee from the ATM owner may apply on non CO-OP ATMs.
Harvest High-Yield Checking: Qualification criteria for higher APY:
- You must register for e-statements
- Have an active online banking
- Have an activated AdelFi debit card OR a AdelFi credit card AND
- $500 in accumulated deposits during the month.
5. Start Young Checking: Qualification criteria for high*Please refer to Account Agreement and Disclosures and Personal Account Information and Fee Schedule for complete information about each account. All account dividend rates, agreements, terms, and conditions are accurate as of 05/23/2026 and are subject to change without notice. AdelFi will not charge any additional domestic ATM fees, however non-CO-OP ATM fees may apply. For international transactions including POS (Point of Sale), ATM Withdrawal and OTC (Over the Counter), an international transaction fee of 3% will apply and some merchants may opt to charge withdrawal fees.
*Please refer to AdelFi Truth and Savings and Fee Schedule for complete information about each account. All account dividend rates, agreements, terms, and conditions offered are subject to change without notice.