• Premium checking
    that pays YOU back.

    Open an Account

    Federally insured by NCUA


    Annual Percentage Yield (APY)
    Daily balance of $20,000 or more, up to $50,000


    Annual Percentage Yield (APY)
    Daily balance less than $20,000

    Earn dividends with direct deposits of $1,000 or more and a daily balance of up to $50,000 per statement cycle.1 

    Superior Dividends

    Earn cash on your deposits every day

    Open an Account

    This is a variable rate account. Tiers and dividend rates are subject to change.

    24/7 Access

    Anytime. Anywhere.

    Mobile access &
    56,000+ free ATMs

    • Free online bill payment
    • Mobile check deposit
    • Overdraft protection*

    *This is a line of credit for qualified applicants.

    Open an Account  

    Identity Theft Protection

    Better protect your sensitive information.

    Primary account holders get one year FREE identity theft protection from Equifax® — a $155 value,2 plus great dividends.

    After one year, this product is just $2.95/month; 
    joint account holders may sign up for $2.95/month.

    • Credit report monitoring by Equifax
    • Automatic fraud alerts3 
    • WebDetect™ 4 scans the web for suspicious
      use of your personal info
    • Up to $25,000 of Identity Theft Insurance5 

    Open an Account 

    Exceptional Terms

    We keep it simple.

    For a daily balance or a monthly direct deposit of $500 or more,


    $25 Minimum Opening Deposit


    You’re a member,
    not a number.

    Our online and mobile banking experience is world-class. And Member Service is there to answer your call. Tap into our low-rate Auto Loans, Credit Cards, Mortgages, and many other benefits. DO BETTER with an Access America Checking Account today!

    Open an Account  

    1 Dividends
    Account is a variable rate account. APY is valid as of last dividend declaration date of July 11, 2015. APY and tiers are subject to change at any time. Fees may reduce earnings on account. Minimum deposit of $25 required to open account. When an account is terminated prior to the end of a statement cycle, dividends will be paid if the aggregate direct deposit requirement is met on the date of account termination. Dividends are compounded daily and paid monthly.

    2 Value
    For primary account holders, no payment is required for the first year. Twelve months after your account opening date, you will be able to continue your subscription at a cost of $2.95 per month. If you agree to continue your subscription, the $2.95 fee will be charged each month to your PenFed Access America account. Access America joint account holders are offered the product for $2.95 per month. After you successfully complete enrollment in the identity theft protection product, PenFed will charge your Access America account $2.95 each month you continue your subscription. You may cancel at any time; however, we do not provide partial or full refunds. A minimum $25 opening deposit is required.

    3 Fraud Alerts
    The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.

    4 WebDetect™
    WebDetect will scan for your Social Security Number (if you choose to) and up to 10 major credit/debit card numbers you provide. WebDetect scans thousands of internet sites where consumers’ personal information is suspected of being bought and sold, and is constantly adding new sites to those it searches. However, the internet addresses of these suspected internet trading sites are not published and frequently change, so there is no guarantee that WebDetect is able to locate and search every possible internet site where consumers’ personal information is at risk of being traded.

    5 Identity Theft Insurance
    Identity theft insurance is underwritten by subsidiaries or affiliates of American International Group, Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions and exclusions of coverage. Coverage may not be available in all jurisdictions.

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