Open an Account
Bolded items are required. What will I need to apply? Agreement and Disclosure
Your personal information is confidential and secure with Armed Forces Bank. We will not share your personal information without your permission.
Important Information
To help the government fight the funding of terrorism and money laundering activities, U.S. Federal Law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. As you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your drivers license or other identifying documents. Legal Entities may be required to certify ownership and managerial control information.

Account Option: Elite

Primary Applicant Information:


Co-Applicant For Joint Account:


Security Data

Why do you need to provide this information?
This information will be used for additional account verification purposes once your account has been established. It is used to identify you when you use forms on our website.

City, State


Why do you need to provide this information?

State Driver's License Conditionals


State ID's Conditionals


Military ID's Conditionals


Passport Conditionals


Employment Status

Conditionals for Employment Status


Nearest Relative

This information will be used only if there is an issue with your account and we are not able to reach you.


Anticipated Account Usage:

TIN/Backup Withholding:

Important: Under penalties of perjury, I certify that the Social Security Number I have provided is my correct taxpayer identification number and that (check appropriate box):


Opening Deposit Requirement - $25.00

Source of Funds



If you want us to authorize and pay overdrafts on everyday debit card and ATM transactions, review the information below and check the box next to "Yes, Opt-In for Overdraft Protection." below.

An overdraft occurs when you do not have enough money in your account to cover a transaction, but as a convenience to you, we pay it anyway.
We can cover your overdrafts in two different ways:
We have standard overdraft practices that apply to our accounts.

We also offer overdraft protection plans, such as a link to a savings account, or to an overdraft line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.
This notice explains our standard overdraft practices.

What are the standard overdraft practices that apply to my account?

We do authorize and pay overdrafts for the following types of transactions based on the length of time your account has been open and the activity in and your usage of the account:
      Checks and other transactions made using your checking account number such as ACH direct debits.
      Automatic bill payments

We do not authorize and pay overdraft for the following types of transactions unless you ask us to (see below):
      ATM transactions
      Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay and overdraft, your transaction will be declined.

What fees will I be charged if Armed Forces Bank pays my overdraft?

Under our standard overdraft practices:
      We will charge you a fee of $29 each time we pay any overdraft item.
      The maximum fee we will charge your account for overdrafts and returned items on any business day is $125.00.

What if I want Armed Forces Bank to authorize and pay overdrafts on my everyday debit card and ATM transactions?

If you want us to authorize and pay overdrafts on everyday debit card and ATM transactions, log on to your account through Online Banking, click the "Reg E Overdraft Opt In" button, and follow the instructions.


To prevent returned item fees or overdraft fees, we recommend you maintain all account activity in a check register and routinely reconcile your account to the balance reported by the bank. Using our automated telephone information system, Online or Mobile Banking, Online or Mobile Banking Alerts, Email Notifications, and Text Messaging (fees may apply, contact your mobile carrier for details) to monitor your account balance and account activity can assist you in managing your account. Knowing your account balance also requires consideration of pending items such as checks you've written that have not reached the bank, or pre-authorized ACH debits that have not yet posted to your account. Please call us at 1-888-929-2265 to learn how to sign up for these services or for assistance with reconciling your account.

Armed Forces Bank offers the following alternatives to avoid overdraft fees or returned item fees, which are less expensive when compared to our Standard Overdraft Practices.

Ways to Avoid / Cover Overdrafts
at Armed Forces Bank
Examples of Associated Fees1 Comparative Cost2
Good Account Management $0 Not Applicable
Overdraft Protection Transfer $7.00 per daily transfer $7.00
Ready Cash Reserve3 15.9% APR4 $0.22
Overdraft Fee $29.005 $29.00
Returned Item $29.005 $29.00

1 - These costs are provided only as examples. Please ask us about specific products and fees.
2 - Comparative cost based on one (1) insufficient item per month resulting in an overdraft of $50.00, and the credit line or overdraft not being paid for 10 calendar days .
3 - Available to customers with approved credit.
4 - Rate subject to change.
5 - Refer to What You Need to Know about Overdrafts and Overdraft Fees disclosure and your Deposit Account Agreement for additional information.

You may instruct us to never pay any item that would overdraw your account. Opting out of all overdrafts may still result in returned item fees being assessed. To opt out of all overdrafts, contact any Banking Center, call toll free 1-888-929-2265 or email us at

Overdraft Protection Transfers

Secondary checking, savings and money market accounts may be used to avoid overdraft fees for customer checking accounts. Only one account may be linked to each checking account for this service. When checks or other debits present against your account in amounts that would create an overdraft or returned items, the bank will transfer funds from your linked account in $100 increments sufficient to cover the items (subject to funds availability in the linked account). Any account receiving overdraft protection transfers will only be charged one transfer fee of $7.00 per day, regardless of the number of items causing the overdraft. If the balance in the linked account is not sufficient to cover the items, all available funds will be transferred, but the $7.00 transfer fee will be reversed and you will instead be charged overdraft fees or returned item fees, as applicable, for any remaining items that cannot be covered by the transfer. Linking a secondary checking account for overdraft protection transfers could result in overdrafts or returned items in the secondary account. Certain account types have transaction limitations; please speak to a representative to determine whether transaction limitations apply. Sign up for this service at any Banking Center or by calling toll-free: 1-888-929-2265.

Ready Cash Reserve

The Bank offers a Ready Cash Reserve line of credit that is attached to any checking, or Money Market account. Based on credit qualification, lines are available for a minimum of $300 to a maximum of $3,000, with an APR of 15.9%; interest is charged only for the number of days outstanding. A minimum monthly payment equal to the greater of 5% of the outstanding balance or $25 will be auto-deducted from the consumer's checking account. Additional or larger payments may be made at any time through online banking or by contacting the Bank. Advances are in $100 increments and are transferred automatically to cover a negative balance. An advance may be made manually through online banking or upon request. There is no per transfer fee. Visit any Banking Center or call us toll-free at 1-888-929-2265 to apply or obtain additional information.

Opting-in is not a condition of your new account.


By selecting this box, I acknowledge that I have read Armed Forces Bank's Account Terms and conditions. I also agree to establish an account with Armed Forces Bank, N.A. that will be governed by said Account Terms and Conditions.

If you do not agree with the Armed Forces Bank, N.A. Account Terms and Conditions, we will be unable to open an account for you. If you do agree with the Account Terms and Conditions, please check the box "I agree" and press "submit".



If the co-applicant is currently unavailable to complete his or her part of the application, a single account will be opened for you. The co-applicant will have 72 hours to log into the system and complete the application process to become a joint owner.


  1. Confirm your Identity and Submit.
     Print Signature Card » 
  2. Sign Signature Card.
  3. Please fax or mail the signature card along with a copy of your government-issued ID. Submitting these documents is optional but recommended in order to safeguard your identify and your account.

    Fax: 1-866-635-3616
    Armed Forces Bank
    P.O. Box 26744
    Kansas City, MO 64196
  4. A digital copy of this document, created through the online account opening process and subject to the Account Terms and Conditions, serves as your authorization to open the account.

A signed copy of this document on file will assist us in verifying your identity when you conduct business in person, through the Customer Care Center, or through Internet Banking. We will require verification for any transactions that allow "funds" to leave the bank.

Confirm Identity & Submit