Last Updated: 01/21/2026
Access America Checking
Claimed
in Checking Accounts from PenFed Credit Union
Last Updated: 01/21/2026
SuperMoney User Recommendation Score +73
Strongly recommended11 total votes
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Highlights
Community Rating
Strongly recommended
Welcome Offer
N/A(Verified 04/13/2024)
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.15% - 0.35%(Verified 06/21/2024)
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Monthly Service Fee
$10(Verified 01/21/2026)
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Number of Reviews
Access America Checking Review
The Access America Checking is offered by PenFed Credit Union, a credit union founded in 1935 and based in Tysons, VA. Access America checking account is available in 50 states and Washington, DC.
Key Takeaways
- Higher than average APY. Access America Checking has an annual percentage yield of up to 0.35%, which is higher than the national average interest rate on savings accounts.
- No monthly maintenance fee. Two ways to avoid a $10 monthly fee. Set up monthly direct deposits of $500 or more OR Maintain a daily balance of $500 or more
- No ATM fees. Access America Checking does not charge fees on ATM transactions .
- Soft credit pull. PenFed Credit Union will not perform a hard credit pull when you open an account.
Access America checking account Pros & Cons
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Access America checking account FAQ
Are checking accounts from PenFed Credit Union federally insured?
Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does Access America checking account offer?
Access America checking account offers an APY starting at 0.15% and ranging up to 0.35% (APY stands for annual percentage yield, rates may change).
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.15% - 0.35% |
What are the account minimums for Access America checking account?
Access America checking account requires a minimum initial deposit of $25.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Combined Balance to Avoid Monthly Maintenance Fee | Starting at $500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Direct Deposit to Earn APY | $500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Access America checking account charge?
Two ways to avoid a $10 monthly fee. Set up monthly direct deposits of $500 or more OR Maintain a daily balance of $500 or more| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $10 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Uncollected Funds Fee (Deposits on hold) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does Access America checking account offer?
This account includes the following features:
- Mobile Banking Services - Access America checking account allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
- Soft credit pull - Access America checking account performs a soft credit pull so you can check whether you qualify without hurting your credit.
What is the customer support email for Access America checking account?
The customer support email for Access America checking account is info@hq.penfed.org.
How do people rate the customer service and user experience of Access America checking account?
Overall, Access America checking account is strongly recommended based on community reviews that rate customer service and user experience.
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Message from Access America checking account
Hours of Operation
Sunday
Closed
Monday
8:00AM - 4:00PM
Tuesday
8:00AM - 4:00PM
Wednesday
8:00AM - 4:00PM
Thursday
8:00AM - 4:00PM
Friday
8:00AM - 4:00PM
Saturday
Closed