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.
AAA Online Banking--HORRIBLE SERVICE
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 account...no answer yet. I will be closing this account very soon.
Long, Long Wait On Phone
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.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| Year Established | 2019 |
| Employees | 106 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.1% |
| Return on Equity - YTD | 1.2% |
| Annual Interest Income | $11.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $939MM$819.7MM |
| Loans | Q1 2025vs Q1 2024 | $700.1MM$617.4MM |
| Deposits | Q1 2025vs Q1 2024 | $840.4MM$752.6MM |
| Equity Capital | Q1 2025vs Q1 2024 | $89.3MM$55.2MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $5.6MM$6.4MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $9.4MM$2.5MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |