The simplicity you need.
The benefits you want.

Access America Checking


Premium Checking That Pays You Back*


Annual Percentage Yield (APY)

With a daily balance of $20,000 or more up to $50,000


Annual Percentage Yield (APY)

With a daily balance of less than $20,000

*Earn dividends with monthly direct deposits of $500 or more and a daily balance of up to $50,000 per statement cycle.1

** Please note that this is a variable rate account. Tiers and dividend rates are subject to change.

Secure. Smart. Simple. 

Get checking that pays you back.

You want simple. You need effective. Our checking account gives you both. Access America Checking is more than a place to hold your money.

It’s your own personal tool for building a future. As a part owner in our credit union, it’s your chance to grow alongside us.   



Apply before becoming a member.

After your application, we’ll help you:

1. Discover you’re eligible to become a PENZIOX member

2. Open a Savings/Share Account and deposit at least $5



+ ATMs

Online & Mobile Banking

Available Overdraft Protectionƚ

Free Chip-Enabled Visa Debit Card

Digital Wallets (Apple, Samsung, and more)



• No monthly fee with daily balance or monthly direct deposit of $500 or more

• $25 Minimum Opening Deposit

ƚOverdraft protection is a line of credit and subject to credit approval.

1 Dividends

Account is a variable rate account. APY is valid as of last dividend declaration date of . APY and tiers are subject to change at any time. Fees may reduce earnings on account. Minimum deposit of $25 required to open account. When an account is terminated prior to the end of a statement cycle, dividends will be paid if the aggregate direct deposit requirement is met on the date of account termination. Dividends are compounded daily and paid monthly.


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Outstanding service ethic.

Washington, DC

Every time I walk into my branch, I'm taken great care of. Thank you PENZIOX for your great service.

Ready To Take The Next Step?

My parents started with PENZIOX, and so did I.

San Francisco, CA

I joined PENZIOX because both my parents were members - so glad I did. PENZIOX helped me get a great rate on my first new car.

Ready To Take The Next Step?

Consistent low rates and easy to work with.

Newark NJ

I went to Penfed to see if I qualified for a mortgage. My friends told me about all the trouble they've had using other lenders, but PENZIOX made everything easy for me. Thank you Sarah and PENZIOX!

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Wherever I travel, I can work with PENZIOX.

Atlanta GA

I just started using Penfeds new Travel AMEX card on my last trip to Basal - my other cards charge me just for being away but not this card with Penfed.

Ready To Take The Next Step?