Banking as it should be
Access America Checking
Free Checking
Explore our checking options and find your perfect fit
Access America Checking
Maximize your returns
Earn up to
the returns with direct deposit
Easily waive monthly fees2
Free Checking
Simple, everyday banking
No minimum balances
No monthly maintenance fees
Access America Checking
Maximize your returns
Earn up to
the returns with direct deposit
Easily waive monthly fees2
Free Checking
Simple, everyday banking
No minimum balances
No monthly maintenance fees
Features and Benefits
PenFed Mobile Deposit
Making deposits has never been easier. With PenFed’s mobile app, mobile deposits is fast, simple and secure right from your mobile phone!
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.
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.