Access America Checking
OPEN NOW

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

open an access america checking account

Access America Checking

Premium checking with earned dividends, overdraft protection2 and more!

OPEN NOW

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

PREMIUM CHECKING THAT PAYS YOU BACK.

%1

Annual Percentage Yield (APY)

With a daily balance of $ or more up to $


%1
Annual Percentage Yield (APY)

With a daily balance less than $


Earn dividends with monthly direct deposit of $500 or more.
No monthly fee with daily balance or monthly direct deposit of $500 or more.

Features & Benefits

  • 68,000+ ATMs
  • Online & mobile access
  • Available overdraft protection²
  • Free chip-enabled Visa debit card
  • Digital wallet functionality (Apple Pay™, Google Pay™, Samsung Pay™)
OPEN NOW

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


2Overdraft protection is a line of credit and subject to credit approval.

QUESTIONS?
Give us a call or visit a branch today!

CALL US: (800) 247-5626
Find a Branch »

1 Dividends
Account is a variable rate account. APY is valid as of last dividend declaration date of and 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 deposit requirement is met on the date of account termination. Dividends are compounded daily and paid monthly.

FEATURED BENEFITS

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+ ATMs

Where’s an ATM when you need it? Get access to our network of Allpoint and CO-OP ATMs, giving you access to more machines than the leading banks.

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Safety & Security 

With PenFed's $0 Liability Policy on unauthorized purchases and chip-enabled cards, PenFed knows security. We started PenFed to serve those who protect us, and we’re committed to protecting you.

overdraft protection icon

Overdraft Protection

Our overdraft protection is a line of credit and is subject to credit approval. 

Digital Wallet icon

Digital Wallets

PenFed digital wallet allows you to pay safely and securely from your iPhone, Android, or Samsung phone. Wherever you go, take your bank account with you. We want you to keep moving forward.

Conveniently Located Near You    Find an ATM

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try our mobile app

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.

 

 

An Account That Earns You More

Our members are our owners so our earnings go back to you. Get 0.50% APY with a daily balance of $20,000 or more up to $50,000 and 0.20% APY with a daily balance less than $20,000. Also, there is no monthly service fee with a daily balance or a monthly direct deposit of $500.

 

 

ADDITIONAL BENEFITS

Free Visa Debit Card

Pay simply and freely wherever Visa® cards are accepted.

 

Free Box of Checks

When only a signed check will do, we've got you covered.

 

Unparalleled Service

We're a member-owned not-for-profit, answering only to you.                                       

 

FAQs

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