Find a checking account that’s right for you
Free Checking
No monthly fees, no minimum balance - Free Checking built for the way you live.
- Avoid the hassle of a monthly maintenance fee
- Never worry about having to maintain a minimum balance
Access America
For those with higher balances - Access America makes the most of your money.
- Earn up to 5X the national average1 on your funds
- Easily waive the $10 monthly maintenance fee2
Additional Features & Benefits
Secure and Convenient:
PenFed’s Visa Debit Card offers Visa’s Zero Liability Policy3, digital wallet compatibility, contactless payment, and cell phone protection5
Overdraft Protection
Make purchases with confidence, knowing you’ve selected an overdraft protection option that has your account covered.
85,000+ Free ATMs:
Enjoy access to a nationwide network of fee-free Allpoint and Co-op ATMs conveniently located near you
Get Paid Early:
Get your money up to 2 days sooner when you set up direct deposit4
MOBILE APP
FirstPencu Mobile Deposit: It’s as easy as app, snap, tap.
Don’t have time to go to a branch or ATM? Use your FirstPencu mobile app to quickly deposit checks right to your checking account – all from the comfort of your couch.
Featured Articles
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This credit union is federally insured by the National Credit Union Administration. Rates are current as of April 2025 unless otherwise noted and are subject to change.
APY = Annual Percentage Yield
APR = Annual Percentage Rate