Pentagon Federal Credit Union
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  1. Home
  2. Checking
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Banking as it should be

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Free Checking

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Access America Checking

Find a checking account that’s right for you

Free Checking

No monthly fees, no minimum balance - Free Checking built for the way you live.

Avoid the hassle of a monthly maintenance fee

Never worry about having to maintain a minimum balance

PenFed Credit Union

Apply for Free Checking

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Access America

For those with higher balances - Access America makes the most of your money.

Earn up to  the national average1 on your funds with direct deposit 

Easily waive the $10 monthly maintenance fee2

PenFed Credit Union

Apply for Access America Checking

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Your info will be pre-filled.

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Additional Features & Benefits

Secure and Convenient:

PenFed’s Visa Debit Card offers Visa’s Zero Liability Policy3, digital wallet compatibility, contactless payment, and cell phone protection5

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Overdraft Protection

Make purchases with confidence, knowing you've selected an overdraft protection option that has your account covered.

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+ Free ATMs:

Enjoy access to a nationwide network of fee-free Allpoint and Co-op ATMs conveniently located near you

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Get Paid Early:

Get your money up to 2 days sooner when you set up direct deposit4

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Making deposits has never been easier. With PenFed’s mobile app, mobile deposits is fast, simple and secure right from your mobile phone!

MOBILE APP

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

Don’t have time to go to a branch or ATM? Use your PenFed mobile app to quickly deposit checks right to your checking account - all from the comfort of your couch.

Learn More

Featured Articles

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The Advantages of a Checking Account for Kids

Is Your Money Safer in Checking or Savings?

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How to Choose a Checking Account

See All Articles

Disclosures

1Up to the national average of % APY is based on the national average of checking account rates published in FDIC Weekly National Rates and Rate Caps accurate as of .

2No monthly maintenance fees with a daily balance or monthly direct deposit of $500 or more.

3Have peace of mind knowing that PenFed won’t hold you responsible for unauthorized transactions on your Visa debit card. Visa’s Zero Liability policy applies to purchases made in the store, over the telephone, online, or via a mobile device. Visa’s Zero Liability policy does not apply to transactions not processed by Visa.

4Early access to direct deposit is available for all PenFed members that set up a direct deposit with their employer or other payor. Early direct deposit eligibility may vary between pay periods and timing of payors funding.

5Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must pay your monthly eligible cellular wireless bill with your covered PenFed debit card. Please refer to your guide to benefits at https://www.penfed.org/debit-card-benefits for further details.

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This credit union is federally insured by the National Credit Union Administration. Rates are current as of May 2025 unless otherwise noted and are subject to change.

APY = Annual Percentage Yield
APR = Annual Percentage Rate


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Routing #256078446

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