Federally insured by NCUA
Earn dividends with direct deposits of $1,000 or more and a daily balance of up to $50,000 per statement cycle.1
This is a variable rate account. Tiers and dividend rates are subject to change.
Mobile access &56,000+ free ATMs
*This is a line of credit for qualified applicants.
The PenFed Debit Card offers you a safe, simple and seamless way to access your money.
24/7 Access Anytime. Anywhere. Use your Debit Card at ATMs, in store purchases, online or by phone.
Shop securely knowing that PenFed’s $0 Liability Policyƚ on unauthorized purchases has you covered.
ƚVisa’s Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use.
Primary account holders get one year FREE identity theft protection from Equifax® — a $155 value,2 plus great dividends.
After one year, this product is just $2.95/month;
joint account holders may sign up for $2.95/month.
Open an Account
We keep it simple.
$25 Minimum Opening Deposit
Our online and mobile banking experience is world-class. And Member Service is there to answer your call. Tap into our low-rate Auto Loans, Credit Cards, Mortgages, and many other benefits. DO BETTER with an Access America Checking Account today!
Account is a variable rate account. APY is valid as of last dividend declaration date of February 1, 2016. APY and tiers are 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 direct deposit requirement is met on the date of account termination. Dividends are compounded daily and paid monthly.
For primary account holders, no payment is required for the first year. Twelve months after your account opening date, you will be able to continue your subscription at a cost of $2.95 per month. If you agree to continue your subscription, the $2.95 fee will be charged each month to your PenFed Access America account. Access America joint account holders are offered the product for $2.95 per month. After you successfully complete enrollment in the identity theft protection product, PenFed will charge your Access America account $2.95 each month you continue your subscription. You may cancel at any time; however, we do not provide partial or full refunds. A minimum $25 opening deposit is required.
3 Fraud Alerts
The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.
WebDetect™ will scan for your Social Security number (if you choose to), up to 5 bank account numbers, up to 6 major credit/debit card numbers you provide, up to 3 email addresses, up to 10 medical ID numbers, and up to 5 passport numbers. WebDetect scans thousands of internet sites where consumers' personal information is suspected of being bought and sold, and is constantly adding new sites to those it searches. However, the internet addresses of these suspected internet trading sites are not published and frequently change, so there is no guarantee that WebDetect is able to locate and search every possible internet site where consumers' personal information is at risk of being traded.
5 Identity Theft Insurance
Identity theft insurance is underwritten by subsidiaries or affiliates of American International Group, Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions and exclusions of coverage. Coverage may not be available in all jurisdictions.
Click here to read a narrative description of the dividends calculation.
Here is an example of how dividends are calculated in an account with a daily balance of NA in a statement cycle.
Total dividends earned on the total balance of $NA are therefore $NA + $NA + $NA = $NA
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Prudential PenFed Realty is a wholly owned subsidiary of PenFed.
If you are ready to open a new IRA account, please print, complete, and return the IRA application:
IRA Application Booklet
If you have a PenFed IRA and would like to open an IRA certificate, please call a member service representative at 1-800-247-5626.
If you are ready to open a new Coverdell Education Savings Account (ESA), please print, complete, and return the following application:
Coverdell ESA Application
If you have a Coverdell ESA with PenFed and would like to open an ESA Certificate, please call a member service representative at 1-800-247-5626.
Join Now & Start Enjoying Member Benefits
To join, you need only fulfill two requirements:
Become a member and take advantage of products and offers exclusive to membership!
Become a member in 3 steps; it is fast and easy to set up an account online. No military affiliation required!