open an access america checking account

Access America Checking

Premium checking with earned dividends, overdraft protectionƚ and more!

OPEN NOW

Open an Access America Account and set up your PenFed membership.

1. Open an Access America Account

2. Apply for membership

3. Open a savings/share account with only $5

PREMIUM CHECKING THAT PAYS YOU BACK.

%**
Annual Percentage Yield (APY)

With a daily balance of $ or more up to $*


%**
Annual Percentage Yield (APY)

With a daily balance less than $*

WHY ACCESS AMERICA?

When you join PenFed, you're not just a customer. You own a stake in our credit union. It's time to invest in yourself, all while obtaining superior dividends and saving on fees. Get a checking account that works for you.

Features & Benefits

  • 68,000+ ATMs
  • Online & mobile access
  • Available overdraft protectionƚ
  • Free chip-enabled Visa debit card
  • Digital wallets (Apple, Samsung, and more)
OPEN NOW

Open an Access America Account and set up your PenFed membership.

1. Open an Access America Account

2. Apply for membership

3. Open a savings/share account with only $5


ƚOverdraft protection is a line of credit and subject to credit approval.

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

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

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

*Earn dividends with monthly direct deposits of $500 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.

1 Dividends
Account is a variable rate account. APY is valid as of last dividend declaration date of . 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.

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.

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Overdraft Protection

Our overdraft protection is a line of credit and is subject to credit approval. Overdraft service is not available for point of sale debit and ATM transactions; those transactions will be declined.

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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.

 

 

Easy-to-Use Online Banking & Mobile App Features

Life doesn’t stop and neither do we. Wherever you go, take PenFed with you on your financial journey. Shop securely with $0 liability on unauthorized charges and pay your bills easily online at no cost.
Use your debit card online or over the phone 24/7 and deposit checks with mobile deposit without stepping into a branch.

 

 

 

 

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.