Safe Spending Account

No overdraft fees. No kidding.

Applying typically takes 10 minutes or less.

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.

What's included?

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

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

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Military Early Pay⁵

Free Mobile Banking with check deposit^1,2

Online Banking with bill pay

Free eStatements or $2 paper statements

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

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 retail locations with Cash2Debit™
In-network ATMs are free and out-of-network ATM fees are only $2.50

Related FAQs

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.

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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