Checking Accounts

Say hello to fewer fees
and more benefits.

Access Checking

  • Great, everyday checking account with all the basics and more
  • Unlimited, free access to 30,000+ ATMs in the MoneyPass® Network1
  • Free mobile deposits2 and money orders
Learn More

Elite Checking

  • All the benefits of Access Checking, plus...
  • Earn interest on your balances3
  • Enjoy special loan discounts
  • Free paper statements
Learn More
Are you a student?
We've got a checking account just for you.

Compare Accounts

Access Checking
Open Now
Elite Checking3
Open Now
Good for you if

You want a great, everyday checking account and use direct deposit.

You keep high balances and want to earn interest on checking.

Opening Balance Requirement



No fee when you meet the following requirements each statement cycle:

Direct Deposit

Maintain daily balance of $5,000


Maintain average balance of $10,000 per cycle

Otherwise, $10 monthly service fee applies

Otherwise, $10 monthly service fee applies

Interest Earned on Balances checked
Special Loan Discounts checked
Additional Features
  • Unlimited, free access to 30,000+ ATMs in the MoneyPass® Network1
  • Free mobile check deposit2
  • Free money orders
  • Locations around the country, including branches inside Exchanges that are open weekends and evenings
  • Free e.Statements4
  • Online Banking with Bill Pay
  • Mobile Banking and account alerts5
  • Free Visa® debit card with EMV chip technology
  • Free incoming wire transfers
  • Free overdraft protection transfers
Open Now

or Learn More

Open Now

or Learn More

Military Early Pay

Move payday up a day. If you're a military service member, you can receive your Defense Finance and Accounting Services direct deposits early with Early Pay.

Learn More

Saving Cents

Build your savings automatically when you enroll in Saving Cents—the program that rounds up your debit card purchases to the nearest dollar and puts the change in your savings.

How It Works

  • Choose - Choose how much you'd like to round up your debit card purchases from your checking account. Options range from the nearest $1 to $5 increment.
  • Save - Every time you make a purchase, we'll round it up. Each night all the extra change is transferred automatically from your checking account to your savings account.
  • Track - We keep track of Saving Cents transfers and place that information right on your bank statement each month.

To sign up, call (888) 929-2265, visit a nearby branch, or log into Online Banking and send a Secure Mail.

Overdraft Protection

We have standard overdraft practices that apply to our accounts. We also offer overdraft alternatives, such as a link to a savings account or to an overdraft line of credit, which may be less expensive than our standard overdraft practices.

Standard Overdraft Practices Overdrafts FAQ

Other Banking Services


24/7 access to your account information when you call (888) 929-2265

Direct DepositDirect Deposit

Access the funds from your paycheck the same day you receive it. No waiting in line necessary.

Money OrdersMoney Orders

A great alternative to writing a check. Get them at a branch near you.

Combined StatementsCombined Statements

Get data from all your accounts in one simple statement. Call (888) 929-2265 to enroll and learn more.

1. No fees for withdrawals, transfers, balance inquiries or denied ATM transactions at ATMs in the MoneyPass® Network if you have a MoneyPass® logo on the back of your card. MoneyPass® Network ATMs are within the U.S. only.

2. Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and restrictions apply.

3. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. The Annual Percentage Yield (APY) shown is accurate as of Aug 24, 2019. The interest rate may change after the account opening. Fees may be charged to the account, which could reduce earnings on the account.

4. Free e.Statements or $4.50 paper statements for Access and Student Checking accounts. Paper statements are free for Elite Checking account holders.

5. Message and data rates may apply - such charges include those from your communications service providers.

Visa'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. Cardholders must notify card issuer promptly of any unauthorized use. Consult issuer for specific restrictions, limitations and other details.