Identity Theft Protection
*Earn dividends with direct deposits of $1,000 or more and a daily balance of up to $50,000 per statement cycle.1
** Please note that this is a variable rate account. Tiers and dividend rates are subject to change.
Free online bill payment
Mobile Check Deposit
No monthly service fee with a daily balance or a monthly direct deposit of $500 or more.
$25 Minimum Opening Deposit
Primary account holders get one year FREE identity theft protection from Equifax® - a $155 value2.
Joint account holders may also sign up for the same outstanding protection - only $2.95 per month. We’ll charge your Access America Checking account the monthly fee. You may cancel at any time, however we do not provide partial or full refunds.2
Credit report monitoring by Equifax®
Automatic fraud alerts3
Up to $25,000 of Identity Theft Insurance4
WebDetectTM5 scans the web for suspicious use of your personal info
Pay more securely at millions of locations worldwide where chip-enabled cards are accepted.
24/7 Access Anytime. Anywhere. Use Your Debit Card at ATMs, in store purchases, online or by phone.
Shop with confidence knowing that PenFed's $0 Liability Policy on unauthorized purchases has you covered.
1 Dividends Account is a variable rate account. APY is valid as of last dividend declaration date of September 12, 2016. 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), up to 5 bank account numbers, up to 6 major credit/debit card numbers you provide, up to 3 email addresses, up to 10 medical ID numbers, and up to 5 passport numbers. 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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If you are ready to open a new IRA account, please print, complete, and return the IRA application:
IRA Application Booklet
If you have a PenFed IRA and would like to open an IRA certificate, please call a member service representative at 1-800-247-5626.
If you are ready to open a new Coverdell Education Savings Account (ESA), please print, complete, and return the following application:
Coverdell ESA Application
If you have a Coverdell ESA with PenFed and would like to open an ESA Certificate, please call a member service representative at 1-800-247-5626.
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