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Recruit Access Checking Account

Your lifestyle is demanding. Depend on us.

Recruit Access Checking from Armed Forces Bank is designed to be the best checking account for recruits and their families. 

  • Available to recruits ages 17 and up - no parent or guardian required
  • No minimum balance required to open your account
  • Free overdraft protection transfers
  • Free incoming wire transfers

For a military bank account tailored to your unique needs, look no further. 

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How to Open a Recruit Access Checking 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! We will also send you your debit card. If you are a quick ship, we can 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.

Check more specs
  • No monthly service charge when you make a direct deposit each statement cycle. Otherwise, a $12 monthly service charge applies.
  • Free eStatements or $5 paper statements. Other miscellaneous fees, including overdraft fees, may also apply.
  • Closing Recruit Access Checking accounts within 90 days of opening will result in a $20 early closure fee.


Dedicated Recruit Department

Phone: 844-72-SERVE (844-727-3783)
Fax: 816-412-0055

Available Monday-Friday: 0800-1730 Central Time

Recruit's Questions about Recruit Access Checking Account:

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 Direct deposit required.  Maximum ACH credit is $15,000.00. 
3 Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and restrictions apply. 
4 Message and data rates charged by your mobile phone carrier may apply.
5 Terms and conditions apply