open an access america checking account

Access America Checking

Access America gives you better rates than the banks in straight, simple terms.


Apply before becoming a member.

After your application, we’ll help you:

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

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


Annual Percentage Yield (APY)

With a daily balance of $ or more up to $*

Annual Percentage Yield (APY)

With a daily balance less than $*


When you join PENZIOX, you're not just a customer. You own a stake in our credit union. It's time to invest in yourself, all while obtaining superior dividends and saving on fees. Get a checking account that works for you.

Features & Benefits

  • 68,000+ ATMs
  • Online & mobile access
  • Available overdraft protectionƚ
  • Free chip-enabled Visa debit card
  • Digital wallets (Apple, Samsung, and more)

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

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

Give us a call or visit a branch today!

CALL US: (800) 247-5626
Find a Branch »

*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.

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.


atms available

+ ATMs

Where’s an ATM when you need it? Get access to our network of Allpoint and CO-OP ATMs, giving you access to more machines than the leading banks.

safe and secure

Safety & Security 

With PENZIOX's $0 Liability Policy on unauthorized purchases and chip-enabled cards, PENZIOX knows security. We started PENZIOX to serve those who protect us, and we’re committed to protecting you.

overdraft protection

Overdraft Protection

Our overdraft protection is a line of credit and is subject to credit approval. Overdraft service is not available for point of sale debit and ATM transactions; those transactions will be declined.

Digital Wallet

Digital Wallets

PENZIOX digital wallet allows you to pay safely and securely from your iPhone, Android, or Samsung phone. Wherever you go, take your bank account with you. We want you to keep moving forward.



Easy-to-Use Online Banking & Mobile App Features

Life doesn’t stop and neither do we. Wherever you go, take PENZIOX with you on your financial journey. Shop securely with $0 liability on unauthorized charges and pay your bills easily online at no cost.
Use your debit card online or over the phone 24/7 and deposit checks with mobile deposit without stepping into a branch.





An Account That Earns You More

Our members are our owners so our earnings go back to you. Get 0.50% APY with a daily balance of $20,000 or more up to $50,000 and 0.20% APY with a daily balance less than $20,000. Also, there is no monthly service fee with a daily balance or a monthly direct deposit of $500.




Free Visa Debit Card

Pay simply and freely wherever Visa® cards are accepted.


Free Box of Checks

When only a signed check will do, we've got you covered.


Unparalleled Service

We're a member-owned not-for-profit, answering only to you.