The Armed Forces Bank Recruit Access Checking account meets your everyday needs as a recruit and gives you the freedom to manage your money with ease. Our Recruit Access Checking Account is designed to be the best checking account for recruits and their families, helping you keep your money safe while also allowing you benefit from extra features.

Sign up for direct deposit and get paid an extra day in advance with Early Pay (DFAS direct deposits through myPay).  Enjoy convenient access to online banking features such as free mobile check deposit1, bill pay and account alerts3.  The Recruit Checking Account offers special benefits such as free overdraft protection transfers and free incoming wire transfers.  No minimum balance is required to open your account today.

Armed Forces Bank clients can also bank at over 70 Academy Bank locations and deposit cash at nearly 50,000 locations at the register. In addition, you’ll have free access to 30,000+ ATMs through our MoneyPass Network2.


What You Need to Know

  • Available to recruits ages 17 and up. No parent or guardian required.
  • No monthly service charge when you make a direct deposit each statement cycle. Otherwise, a $12 monthly service charge applies.
  • Free e.Statements or $5 paper statements. Other miscellaneous fees, including overdraft fees, may also apply.
  • Closing new accounts within 90 days of opening will result in a $20 early closure fee.

Are you a recruiter? See our Recruiter Resources.

How to Open an Account

  • Step 1: Fill out the Signature Card (PDF) and email or fax it back to us with a copy of your ID. View our list of Acceptable Forms of ID (PDF) to open an account.
  • Step 2: We will call you with an account number within minutes! In addition to sending a debit card, we will mail starter checks and other account information. Leaving soon and need us to Quick Ship your new debit card to you? We will overnight a debit card to you!
  • Step 3: Print the Direct Deposit Form (PDF) and take to Basic Training or submit to your Finance Office.

Take The Next Steps

Once you get your new checking account, take your finances to the next level:

  • Download the Checking 101 Workbook to learn the ins and outs of your new checking account.
  • Access your account on your desktop, smartphone or tablet with Digital Banking. Enroll today for your new Recruit Access Checking Account.
  • Move payday up a day with Military Early Pay.
  • Build your credit with a Credit Builder Secured Visa Credit Card.4
  • Open a Savings Account and enroll in Saving Cents, a program that automatically rounds up every purchase to the nearest dollar and puts the change in your savings.
  • Ramp up your financial readiness and check out our Education section in the main menu.
  • If you have any questions, contact our dedicated Recruit Department.