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Frequently Asked Questions

• What happened to Auto Club Trust, FSB?

  Effective April 1, 2025, Auto Club Trust, FSB officially merged into Grasshopper Bank, N.A. Grasshopper Bank is now the exclusive provider of depository and lending services (excluding credit cards) for AAA members and insureds across The Auto Club Group’s 14-state territory.

  For more information, refer to our Help Center article here.

• What are your auto loan rates?

  Our auto loan rates start as low as 5.24% APR for new and used vehicles (model years 2019 or newer) with a term of 48 months or less — available to AAA members who enroll in auto pay from a AAA Banking checking or savings account.

  Keep in mind that your actual rate may vary based on a few different factors, including the vehicle’s year, make, and model, the loan term, your credit score, and your relationship with AAA Banking. Not a member yet? Becoming one could help you qualify for our best available rates!

  Want a better idea of what your rate and monthly payment could look like? Try out our auto loan calculator—it’s a quick and easy way to explore your options before you apply.

   

   

   

• Do I need to be a member of AAA to get a loan?

  Nope! You don’t need to be a AAA member to apply for a loan. However, AAA members are eligible for special rates, so it’s worth considering membership if you’re not already part of the family.

  For more information, we encourage you to visit our Auto Loans page.

   

   

• How do I check the status of my loan application?

  You can check in on your loan application anytime by logging into our secure application hub. We’ll also keep you updated by email, so you’ll always know where things stand.

• Who can open an account with AAA Banking?

  To open an account with AAA Banking, you must meet the following eligibility criteria:

  • Be 18 years or older
  • Be a U.S. resident
  • Reside within The Auto Club Group (ACG) service area, which includes specific ZIP codes and counties in the following states:
    • Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Michigan, Minnesota, Nebraska, New York, North Carolina, North Dakota, South Carolina, Tennessee, and Wisconsin

  Please Note: We do not currently service customers outside of ACG’s designated geographic region. ZIP code eligibility can be verified during the application process or by contacting our customer service team.

• What is AAA Banking’s routing number?

  To ensure you are using the correct routing number associated with your account, we encourage you to log in to online or mobile banking and review the details available there.

• How do I qualify for member rates?

  To qualify for special AAA member rates and benefits on AAA Banking deposit products, you must meet the following criteria:

  • Be 18 years or older
  • Be a U.S. resident
  • Have an eligible AAA membership through The Auto Club Group (ACG) at the Basic, Plus, or Premier level
    • Memberships from other AAA clubs or regions are not eligible
  • Reside within ACG’s service area, which includes specific ZIP codes and counties in the following states:
    • Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Michigan, Minnesota, Nebraska, New York, North Carolina, North Dakota, South Carolina, Tennessee, and Wisconsin

  When you apply for an account and choose a product designed for AAA members, your membership status with The Auto Club Group (ACG) will be verified at the time of account opening and may be revalidated periodically thereafter.

  If your membership cannot be verified, or if your membership status changes, your account may be moved to a non-member product with different terms. This may include:

  • A lower Annual Percentage Yield (APY)
  • The removal of other member-only benefits

  If this happens, you will receive a notification about the changes to your product and its terms. If you believe your membership status has been incorrectly validated or that you were moved to the wrong product in error, please contact us promptly so we can review and correct your status if needed.

• When will I receive my debit card?

  Once your Triple Advantage Checking Account is approved and opened, your new AAA Banking debit card should be delivered to the mailing address submitted on your application within 14 days. As you wait for your debit card to arrive, we encourage you to take advantage of our virtual, instant-issue debit cards. Virtual debit cardholders can also earn unlimited 1% cash back on signature-based purchases, just like our physical debit cards. The only difference is they are designed for online or in-person, contactless payments through a digital wallet.

  For more information, please refer to our Triple Advantage Checking page.

• Can I withdraw money from an ATM?

  One of the many benefits of choosing AAA Banking is that you can enjoy the benefit of fee-free withdrawals at 37,000+ MoneyPass and 8,500+ SUM ATMs nationwide. For as hard as you work for your money, you shouldn’t have to throw it away on surcharge fees, so be sure to utilize the ATM locators to find one nearest you.

  When in doubt, just look for the bright red SUM or MoneyPass logo displayed on a sign or ATM screen to avoid paying a surcharge. Additional third-party ATM fees may vary by ATM operator.

  For full terms and conditions, please refer to our Master Service Agreement.

• Are my deposits FDIC insured?

  Yes. AAA Banking services are provided by Grasshopper Bank, N.A. Grasshopper Bank is a member of the Federal Deposit Insurance Corporation (FDIC), which means your deposits are insured up to $250,000.