AAA Banking

Overview / Commentary
One Auto Club Drive
Dearborn, MI 48126

Headquartered in Dearborn, MI, AAA Banking is run by Auto Club Trust, FSB. The bank offers a variety of financial products and services, including the following personal deposit account products: savings accounts, checking accounts, money market accounts, Certificates of Deposit (CDs), and Individual Retirement Accounts (IRAs).

AAA Banking’s personal checking accounts include interest and non-interest-bearing options. Its money market accounts yield tiered interest rates. CD terms range from 3 months to 10 years. AAA’s IRAs include both Traditional and Roth products, available either as CDs or as an IRA savings account.

In addition to these personal deposit account products, AAA Banking offers loans (personal, home, and auto) and lines of credit. The bank also offers its customers quick, easy, and safe access to funds through online and mobile banking options.

Reviews (8)

I Think It Works Fine

I have had the money market savings for a year and the ratings make up for the inconvenience of not having a local branch. Also, because it is safe.
I give it 4 stars.


Posted by: |

Scary experience today. I recently opened a checking account with AAA Online Banking, I received the debit card and was unable to activate or use it. I phoned the number on the back of the card and the Customer Service Reps had zero/NO idea how to assist me, kept referring me to call the EXACT /SAME number for assistance, they did not have a number for customer service. The # listed online in my checking was the SAME #. I was beginning to think it was a scam but knew AAA was a large reputable company. I located my original packet of information and found a second card that was effective as of 3/28/21 with the SAME phone contact numbers... I still DO NOT have a phone number for actual Customer service assistance for banking account questions. I emailed them per my online answer yet. I will be closing this account very soon.

Long, Long Wait On Phone

Posted by: |

I have already waited more than an hour on my phone to speak to a representative in Dearborn. I find this totally unacceptable. This is not customer service. It is torture. As an overall rating is required, I would put down negative stars. But that is not a choice.

Avoid, Cannot Access My Funds For Over 2 Weeks.

Posted by: |

Horrible, avoid. Multiple calls still no access to my funds. 2 weeks of trying to get them to correct the problem. Told I have to wait till next week. Absolutely crazy

Violating FDIC Rules??

Posted by: |

My 2-Yr CD matured, I submitted the request to non-renew the CD and transfer the value into my AAA Checking account. 2 weeks later I'm still waiting for my money. I believe this violates FDIC rules and I plan to file a complaint.


I opened my accounts at a branch in Omaha, then they closed all of their branches. I have banked with Bank of America all online, so thought it would be ok. Wrong! Their customer service is horrible. They don't answer their phones. When I went to close my account they would not transfer the funds to another account and mailed the check which I never received for over 2 weeks. I had a car loan with them and they lost my car title! I have been told AAA is an insurance company that has tried to be a bank. Well, they need to get out of banking. Their auto and life insurance products are not good either! Their trips are good - stick with just travel, AAA.

AAA The Worst

Posted by: |

The worst banking experience I ever had was with AAA. It took 2 weeks to receive funds when my CD matured. They will only send a check thru the mail (no electronic deposit.) No return phone calls and no tracking!

Auto Club Trust Stinks!

Posted by: |

absolutely the worst banking experience ever. try to open a deposit account and they will ask for your id and password to your external linked bank account. then they say "trust" us, we won't misuse your id and password. they not only ask for it once, but twice during the opening process. unbelievable! I can't believe this bank has the AAA name on it. It reduces AAA to a joke. a bunch of bungling amateurs at best. if you are smart, you will stay away. this "bank" is as much bizarre as it is awful!

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. AAA Banking has a negative return on equity.

Health Grade Components

FDIC Certificate #35115
Year Established1999
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-1.95%
Return on Equity - YTD-36.03%
Annual Interest Income$17MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$503.1MM$540.3MM
LoansQ3 2023vs Q3 2022$265.6MM$294MM
DepositsQ3 2023vs Q3 2022$359.5MM$373.1MM
Equity CapitalQ3 2023vs Q3 2022$25.1MM$31.3MM
Loan Loss AllowanceQ3 2023vs Q3 2022$4.8MM$5.7MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$1.9MM$1.5MM
Real Estate OwnedQ3 2023vs Q3 2022$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

AAA Banking Savings Account Rates

3.05%--High-Yield Savings
0.40%*$40k*-Personal Savings
OTHER TIERS: 0.05% Up to $1.5k | 0.12% $1.5k - $5k | 0.16% $5k - $15k | 0.25% $15k - $40k

AAA Banking Money Market Rates

3.05%$1.5k-Money Market

AAA Banking CD Rates

4.80%$1.5k-12 Month CD
4.39%$1.5k-18 Month CD
4.18%$1.5k-9 Month CD
3.40%$1.5k-60 Month CD
3.30%$1.5k-24 Month CD
3.15%$1.5k-36 Month CD
3.15%$1.5k-48 Month CD
3.05%$1.5k-6 Month CD

AAA Banking IRA Rates

4.39%$1.5k-18 Month IRA

AAA Banking Locations
Auto Club Trust, FSB1 Auto Club DrDearborn, MI 48126

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