Pentagon Federal Credit Union
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Affinity Title

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Cute Family

Banking as it should be

CheckMark

Free Checking

checkmark

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

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

Learn More

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

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

Learn More

Additional Features & Benefits

Secure and Convenient:

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

Overdraft Protection

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

+ Free ATMs:

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

Get Paid Early:

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

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
Mobile App
Learn More

Featured Articles

What is a Checking Account and How Does it Work?

How to Choose a Checking Account

4 Features Your Checking Account Should Have

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.

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This credit union is federally insured by the National Credit Union Administration. Rates are current as of December 2023 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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IMPORTANT NOTICE

You are leaving PenFed.org and entering a third party Website that is not a part of Pentagon Federal Credit Union.


The content you are about to view is produced by a third party unaffiliated to Pentagon Federal Credit Union. PenFed takes no responsibility for the content of the page.


IMPORTANT NOTICE

You are leaving PenFed.org and entering a third party site. PenFed Realty, LLC is wholly owned by PenFed and this referral may provide PenFed a financial or other benefit.


For more information about the relationship between PenFed and PenFed Realty, LLC, see the Affiliate Business Arrangement Disclosure.


IMPORTANT NOTICE

You are leaving PenFed.org and entering a third party Website.


The content you are about to view is produced by a third party website that is unaffiliated to Pentagon Federal Credit Union. PenFed takes no responsibility for the content of the page.


IMPORTANT NOTICE

You are leaving PenFed.org and entering a third party site. PenFed Title, LLC is wholly owned by PenFed and this referral may provide PenFed a financial or other benefit.


For more information about the relationship between PenFed and PenFed Title, LLC, see the Affiliate Business Arrangement Disclosure.


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