Safe Spending Account

Q: How can I activate my card?

While logged into Armed Forces Bank Digital Banking, select Manage Card. A picture of your card will display. Click on the card to activate it. Do not activate if the card is not in your possession. You must establish a Personal Identification Number (PIN) for your new card by calling us at 1-855-426-5165.

Q: How can I change my address?

Here are the options you have for making an address change on your account: Log into Digital Banking or call/visit a branch.

Q: How can I setup direct deposit?

Provide your employer our name, routing number 101108319, and your account number.

No overdraft fees. No kidding.

Open Now

Applying typically takes 10 minutes or less.

Bank On certification badge for Armed Forces Bank's Safe Spending product 2025 - 2026

What's included with Safe Spending?

The Safe Spending Account from Armed Forces Bank offers you the convenience and flexibility you need for daily personal banking without Overdraft fees. Plus, you'll have free access to online banking, mobile deposit¹, bill pay and account alerts².

No Overdraft fees,
No account activation, No closure, dormancy, or low balance fees

Refer Friends & Family. $50 for you, $50 for them.^{2, 6}

Refer Now

Military Early Pay⁵

Free Mobile Banking with check deposit^1,2

Online Banking with bill pay

Free eStatements or $2 paper statements

Things to know for your Safe Spending Account:

There is a $25 opening deposit requirement
There is a $5 monthly recurring service charge
Paper checks are not included with this account; you have an option to purchase paper checks at any time
If you choose to receive paper statements, a $2.00 paper statement fee will apply
Add cash to your account from thousands of Walmart locations with Cash2Debit™
In-network ATMs are free and out-of-network ATM fees are only $2.50

Frequently asked questions about new accounts:

How can I activate my card?

How can I change my address?

How can I setup direct deposit?

Read all FAQs

Let us serve you. Choose Armed Forces Bank.

Open Now

¹ Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and restrictions apply.

² Message and data rates charged by your mobile phone carrier may apply.

³ 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.

⁴A $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.

⁵ Direct deposit required. Maximum ACH credit is $15,000.00.
6 Terms and conditions apply