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 % APY3 on daily balances of less than $
  • Earn % APY3 on daily balances between $ and $

Two ways to avoid a $10 monthly fee

  • Set up a monthly direct deposit 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 your direct deposit and get your paycheck up to 2 days early4
  • Save time with direct deposit. Your money is deposited to your account automatically without ever having to visit a branch or ATM

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.



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?


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.

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