Father and son smiling together outside

Checking Account with Interest

What's better than money? More money.

Our Access Investment Checking Account offers service members and their families a tiered interest-earning account.

Applying typically takes 10 minutes or less.

Keep your money safe and at-the ready, while earning more of it.

The Access Investment Checking account is ideal if you carry higher balances and want extra benefits.
  • Unlimited ATM fee waivers1
  • Free, unlimited access to 38,000+ MoneyPass® Network1 ATMs
  • No fee money orders & cashier’s checks
  • Refer Friends & Family. $50 for you, $50 for them. Refer Now.3
  • Receive special loan discounts, including a $250 mortgage closing cost discount
  • Complimentary standard checks
  • Free eStatements and paper statements

Access Investment Checking Account Rates

Account Balance Annual Percentage Yield
$0.01 to $9,999.99 0.02%
$10,000 - $24,999.99 0.03%
$25,000 - $49,999.99 0.04%
$50,000 - $99,999.99 0.05%
$100,000 - $249,999.99 0.05%
$250,000 and up 0.05%

Sound good, so far? Here are some things you should know.

  • $100 opening balance required
  • No monthly service charge when you meet a daily balance of $5,000 or an average balance of $10,000 per statement cycle (it’s a $20 monthly service charge otherwise)
  • Add cash to your account from thousands of retailers with Cash2DebitTM2
  • Closing new Access Investment Checking accounts within 90 days of opening will result in a $20 early closure fee

If this doesn't sound like the perfect option to you, check out our other checking options. Compare Checking Accounts

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 A $4.95 fee may apply. Deposit limits and restrictions apply. Not available in Vermont. Ask an Armed Forces Bank associate for details. Not available at self-checkout.
3 Message and data rates apply. Terms and conditions apply.
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 . The interest rate may change after the account opening. Fees may be charged to the account, which could reduce earnings on the account. If the account is closed prior to the interest payment date, no interest will be paid.