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triple advantage checking

Checking that goes the extra mile.

Earn up to 1.00% APY, unlimited 1% cash back, fee-free transactions, and no overdraft or monthly fees.1

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no restrictions, just possibilities

Wherever you go, your bank goes too

With Triple Advantage Checking, your journey never stops—and neither does your banking. Enjoy the freedom to manage your money your way, whether you’re at home, on the road, or anywhere in between.

  • Easy Digital Account Opening

    Open an account in as little as 5 minutes from any device - no lines, no hassle.

  • High-Yield Checking Account

    Turn everyday banking into everyday earning with 1.00% APY on checking balances for members and 0.75% APY for non-members.1

  • Unlimited 1% Cash Back

    Make every swipe, tap, or click count with a Visa© rewards debit card and earn 1% cash back on qualified purchases as a AAA member.2

  • Ultimate Flexibility

    Enjoy total flexibility when managing your money with unlimited transfers and fee-free transactions. Plus, free ACH and domestic wires.3

  • No Hidden Fees

    Experience simple, worry-free banking the way it should be with transparent pricing and no surprise fees.

Start Banking

Spend freely. Live fully.

Feel confident knowing there's no better way to pay than with your AAA Banking Visa© rewards debit card.

  • Contactless Payments

    Make secure purchases online or in-store with a tap, swipe or from your mobile wallet.

  • Fee-Free Withdrawals

    Enjoy fee-free withdrawals at 37,000+ MoneyPass and 8,500+ SUM ATMs nationwide.

  • Customizable Card Controls

    Decide how, when, and where your debit card is used with customizable card controls

  • Accepted Globally

    Shop safely across participating online merchants and issuers worldwide.

online & mobile banking

Banking that travels as well as you do

Whether you're exploring or at home, your finances always stay within reach—no detours required.

  • Track spending, set budgets, and stay on top of your goals—all in one place.

  • Send ACH and domestic wire transfers with ease—right from the AAA Banking mobile app or online banking.

  • Never plan your day around a deposit—just snap, send, done.

  • View and download statements and notices—securely stored and ready when you need them.

  • Get real-time alerts for every transaction—so you’re always in the know and in control, wherever you are.

Let's GoExplore Membership
triple advantage savings

Earn up to 3.50% APY

Secure, high-yield savings account designed to keep your funds safe and always within reach with unlimited transfers and no monthly fees.

Learn MoreBecome a Member
certificates of deposit

Earn up to 4.20% APY

Secure, high-yield certificates of deposit with flexible terms designed to deliver predictable earnings tailored to your financial goals.

Learn MoreBecome a Member
individual retirement accounts

Earn up to 4.20% APY

Secure, tax-advantaged retirement accounts and CDs designed to grow your savings with flexibility and stability.

Learn MoreBecome a Member
auto loans

Rates as low as 5.24% APR

Fast, flexible auto loans designed to drive your payment down and get you on the road sooner with $0 down and no origination fees.

Learn MoreBecome a Member
triple advantage

Why choose AAA Banking?

Banking should be more than just a place to store your money—it should help you make the most of it. From high-yield checking and savings accounts to auto loans, IRAs and CDs, every product is designed to help you grow your savings, reach your goals, and enjoy the moments that matter most.

  • Easier Banking. Fewer Hassles.

    Whether you're making everyday purchases, transferring funds, or saving for the future, our user-friendly digital banking platform puts you in control—no hassle, no surprises, just straightforward banking.

  • Your Security. Our Priority.

    Protection is part of who we are. That's why we use bank-level encryption and strict security protocols—so you can bank with confidence, knowing your information and finances are always safe and secure.

  • More Benefits. More Value.

    Experience a smarter, more rewarding way to spend, save and grow—while unlocking exclusive AAA membership perks that you can't get anywhere else.

Get more for your money.

Join AAA

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1.The Annual Percentage Yield (APY) is accurate as of 4/14/2025. The minimum amount to open an account is $100.00. Triple Advantage Checking Account Holders can earn the following Annual Percentage Yield (APY): 1.00% APY with eligible AAA membership or 0.75% APY without eligible AAA membership.*

2. Cash Back Rewards offer 1.00% cash back on all qualified purchases made by Triple Advantage Checking account holders with an eligible AAA membership.* To qualify for cash back, Triple Advantage Checking account holders must meet all requirements and a transaction must be deemed as a qualified purchase. Customers are required to maintain an average balance of $1,500 or more within the calendar month in their Triple Advantage Checking account and the account must remain open, active, and in good standing to participate in the program, meaning: no NSF (non-sufficient funds) items during the preceding twelve calendar months. AAA Banking reserves the right to modify the description of “good standing” at any time.

Qualified purchases are signature-based purchases made with a AAA Banking debit card from a Triple Advantage Checking Account. To make a signature-based purchase, select “credit” rather than debit at point-of-sale kiosks. The “credit” option is most often pre-selected when making purchases online using a debit card. Online subscription payments may not be considered signature-based purchases. The payment transaction type (signature-based or other) is ultimately decided by the merchant and how the transaction is transmitted to AAA Banking at the time of processing. AAA Banking reserves the right to determine if a transaction was a qualified purchase, and to establish additional types of qualified purchases that could be made available in a variety of ways. Any goods or services purchased with the debit card that are returned or otherwise credited to the account are not qualified purchases. Unlawful purchases and purchases of currency, cash or cash equivalents (including, without limitation, currency from the U.S. Mint, travelers cheques, gift cards, cryptocurrency, casino chips, peer-to-peer payments, prepaid debit cards, account openings, loan payments, or other cash equivalents) made with a debit card are not qualified purchases. Documentation may be required to validate that certain purchases are qualified purchases. If you or AAA Banking closes the account for any reason before the end of the statement cycle, you will forfeit all rewards accrued through your linked debit card during that statement cycle. The AAA Banking Visa® debit card is issued by Grasshopper Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa is accepted.

Important Tax Information
The value of this reward may constitute taxable income and may be reported to the Internal Revenue Service as miscellaneous income to the first signer on the account, in the year received, as required by applicable law. Offer is limited to clients who are citizens of the United States that furnish or have a valid Form W-9 on file and the account must not be subject to backup withholding. You may be issued an Internal Revenue Service Form 1099 (or other appropriate form) to you that reflects the value of such reward. Please consult your tax adviser, as AAA Banking does not provide tax advice.

3. Triple Advantage Checking account holders with a monthly average balance of $25,000.00 or greater receive free outgoing domestic wire transfers. Triple Advantage Checking account holders with a monthly average balance of $24,999.99 or less will be charged a $10 fee for each domestic outgoing wire transfer.

4. The Annual Percentage Yield (APY) is accurate as of 4/14/2025. The minimum amount to open an account is $100.00. Triple Advantage Savings Account Holders can earn the following Annual Percentage Yield (APY): 3.50% APY  with eligible AAA membership or 3.15% APY without eligible AAA membership. Fees may reduce earnings. National average interest rate for a Savings Account is 0.41% APY – source: www.fdic.gov.

*Eligible AAA Membership Definition: you must be a “Basic,” “Plus,” or “Premier” member of AAA – The Auto Club Group (ACG). ACG serves households in  Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Michigan, Minnesota, Nebraska, New York, North Carolina, North Dakota, South Carolina, Tennessee and Wisconsin. Applicants must be 18+ and a U.S. resident. Other AAA memberships are not eligible.

AAA-Member Verification & Product Eligibility

By applying for a AAA Banking deposit account, you acknowledge and agree that if you select a AAA-Member product, your AAA Membership status with Auto Club Group (ACG) will be validated at the time of account opening and periodically thereafter. If your AAA Membership cannot be validated or your membership status changes, your account may be moved to a non-Member product with different terms, including but not limited to a lower Annual Percentage Yield (APY) and the removal of other AAA Member-only benefits. If this occurs, you will receive a notification regarding the change in the product and applicable terms. If you believe your AAA Membership status was incorrectly validated or that you have been placed in the incorrect product, please contact Client Services to review and correct your status.

AAA Banking Services are provided by Grasshopper Bank, Member FDIC.  For full terms and conditions about our products and services, please refer to the Master Service Agreement.

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