Access America Checking Account


Bank with Confidence: Access America Checking

No monthly service fees with daily balance or monthly direct deposit of $500 or more


Not a problem, anyone can join. Apply now and we'll create your membership during this application.

Access America Checking lets you bank your way

Two ways to avoid a $10 monthly fee

  • Set up a monthly direct deposit of $500 or more


  • Maintain a daily balance of $500 or more

Earn More


  • Earn up to  the national average1 on your checking account balance with direct deposit of $500 or more
  • Earn % APY2 on daily balances less than $
  • Earn % APY2 on daily balances between $ to $

Bank Anywhere


  • Enjoy over  fee-free ATMs
  • Visit fee-free ATMs conveniently located at retailers near you
  • Withdraw cash and check balances wherever you go

Bank Anytime


  • Check your balance, view transactions, and manage your account 24/7 online or through our mobile app
  • Deposit checks right from your phone with mobile deposit
  • Keep track of your finances online or on your phone with Bill Pay

Earn up to the national average1 on your checking account balance with a direct deposit of $500 or more.


  Daily Balance
We use the account’s end of day balance to
calculate the dividends earned that day.



  Up to $ %  

  $ - $ %  

PenFed Mobile Deposit:
It's as easy as app, snap, tap.

PenFed Power Cash Rewards VISA Signature Card


Access America Checking earns you more!

As an Access America Checking account holder, you can earn 2% cash back on everything you purchase with a PenFed Power Cash Rewards Visa Signature® card.

try our mobile app


Wherever you go,
take PenFed with you!

The PenFed Mobile banking app provides around-the-clock access to your PenFed accounts. Get transaction details, transfer balances, track loan application status, and much more! Deposit checks quickly and easily with your smartphone or tablet.



When will I receive my debit card?

How can I deposit funds into my account?

How can I withdraw money from my account?

Are there any requirements to earning dividends?

When will I start to earn dividends on my deposit?

How are dividends on my deposits calculated?

Does my checking account provide the option to enroll in overdraft protection?

How can I order checks?

Do I get any special benefits for being an Access America Checking Account holder?

Why choose PenFed?

PenFed PenFed, Inc FREE - On Google Play