PENFED CHECKING

Access America Checking

Make the most of your money: Earn up to the national average1 and easily avoid monthly fees.2

1. Join Now to establish a PenFed membership.

2. Set up online access when you click “Log In” at www.penfed.org.

3. Navigate back to this page, and Open Now with your new Member login.

Access America Checking makes the most of your money

Earn More

 
  • Earn up to  the national average1 on your checking account balance with monthly direct deposits of $500 or more
  • Earn % APYon daily balances of less than $
  • Earn % APY3 on daily balances of $ up to $

 

 

 

Two ways to avoid a $10 monthly fee

  • Set up a monthly direct deposits of $500 or more
 
OR
  • Maintain a daily balance of $500 or more

 

Bank Anywhere, Anytime

  • Check your balance, view transactions, and manage your account 24/7 online or through our mobile app
  • Deposit checks right from your phone with mobile deposit
  • Enjoy over fee-free ATMs

 

Get Paid Early

 
  • Set up direct deposits and get your paycheck up to 2 days early4
  • When we receive your direct deposit information from your employer, we make your pay available to you up to 2 days early4

Earn up to the national average1 on your checking account balance with monthly direct deposits of $500 or more.

Daily Balance
We use the account’s end of day balance to calculate the dividends earned that day.
APY3
Up to $ %
$ - $ %

Additional Features & Benefits

Fee-Free ATMs

Fee-free ATM Locations

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

Easy Access: Fee-free PenFed ATMs are located at many well known retailers such as Target®, CVS Pharmacy®, Circle K®, Winn Dixie®, Rite Aid®, Kroger®, Speedway®, and Safeway®.

 

FIND A LOCATION

PENFED HONORS ADVANTAGE

Access America Checking earns you more

As an Access America Checking account holder, you can earn 2% cash back on everything you purchase with a PenFed Power Cash Rewards Visa Signature® card.

MOBILE APP

Wherever you go, take your Access America Checking

Apply before becoming a member.

After your application, we’ll help you:

1. Discover you’re eligible to become a PenFed member

2. Open a Savings/Share Account and deposit at least $5

 

FAQ

Do I get any special benefits for being an Access America Checking account holder?

How can I deposit funds into my account?

How can I withdraw money from my account?

When will I receive my debt card?

Are there any requirements 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?

Why choose PenFed?

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.

3Account 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.

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.

5Have 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.

6Rates and offers current as of and are subject to change. After account opening, a three business day waiting period applies for credit line advances. This account can only be accessed by overdraft from a checking account. No other types of advances are permitted.

PenFed PenFed, Inc FREE - On Google Play