Access America Checking Account


Checking made simple: That’s banking as it should be

  • Free Checking
  • 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.

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.

Additional Features & Benefits

Secure and Convenient:

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

24/7 Digital Banking:

Whether your banking on the go or from the comfort of your couch, enjoy 24/7 digital account access online or through PenFed’s mobile app

+ 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


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.


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.