Access America Checking

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

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

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
  • 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.
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®.



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.
Cash back card image
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



Yes, as an Access America Checking Account holder, you are eligible to earn 2% cash back on all purchases using PenFed’s Power Cash Rewards Visa Signature® Card.

1. Electronic Funds Transfer - You can initiate an electronic funds transfer at PenFed to deposit funds from an external bank account. All you need is the ABA routing number and account number of the other institution. PenFed’s routing number is 256078446.

2. Mobile Deposit – You can download our mobile app and use Mobile Deposit.

3. Internal Transfer from your PenFed account.

4. Mail - You can mail in a check (with your account number written on the check) to: PenFed, Box 247009, Omaha, NE, 68124-7009.

You can withdraw money from your account in the following ways: 

  • No-fee cash withdrawals at + ATMs through Allpoint Network, Co-op Shared Branch Networks and PenFed Branches in the US 
  • Use your debit card for purchases 
  • Online transfer to an external bank account 
  • Use online bill pay 
  • Write a check 
  • Wire transfer

Your debit card will arrive within 5 to 7 business days after your account is opened.

You will earn dividends with recurring direct deposits of $500 or more on a daily balance of up to $ using the following tiers:

Daily Balance

Dividend Rate

Annual Percentage Yield

$ - $



$ or more, up to $



Dividends are compounded daily and paid monthly.

Yes, you can link your checking account to an Overdraft Line of Credit if you qualify. As this is a line of credit, it is subject to credit approval.

You can order checks online, by phone or in the branches. Your first set of 50 checks will be delivered for free within 7 to 10 business day after the order has been placed.

As an year old Financial Institution, we’ve stood by our members through thick and thin. We’re not just a credit union. We’re your partner. Becoming a PenFed member means never facing a financial decision alone.


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.