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Compare Your SAFE Checking Options

SAFE offers a variety of checking options with features and benefits to meet your needs.

Switching to your new SAFE checking account is easy. We'll walk you through the process with our step-by-step Switch Kit. Learn more.

 
  Freedom
Checking
NEW!
Perfect Cents
Checking
SM
Prestige
Checking
 
OpenNow
Rated
 
OpenNow
Rated
 
OpenNow
Rated
 
Checking to Fit Your Life
Free of monthly service fees
Rewards everyday debit card purchases with higher dividends
Maximizes earnings on high-balance deposits
Access to nearly 30,000 CO-OP ATM locations nationwide and more than 5,000 CO-OP Shared Branches
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Free Mobile Deposit1
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Free Online Banking with Bill Pay2 and
Finance
Works
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Free Mobile and Text Banking3
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Free Early Paydays
with Direct Deposit
4
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Free Cash Rewards
for debit card shopping
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Confirm
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Earns Dividends
No
Yes5
Higher dividends on the first $1,000
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Premium dividends on linked Share Savings
No
No
Automatic enrollment in Perfect Cents Savings® program
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Fee-free overdraft protection transfers
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Fee-free debit card replacement
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Free SAFE Checks6
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Details
Minimum deposit to open
$25
$25
$25
Monthly service fee
No fee
$5
Waived with eStatements and either 10 or more debit card purchase transactions per month or direct deposits totaling $1,000 or more per month. Also waived for members under 21 years of age and Capitol Club.
$8
Waived with minimum daily balance of $1,000 or more, or combined deposit and loan balance of $5,000 or more. Also waived for Capitol Club.

1 Standard carrier rates and fees apply. See SAFE for terms and qualifications. 2 Free Bill Pay for active users. 3 Standard carrier rates and fees apply. 4 Subject to receipt from originator and other terms and conditions. 5 Two monthly requirements must be met to receive dividends on Perfect Cents Checking and premium dividends on linked Share Savings or Young Member Account: 1) Active enrollment in eStatements; 2) Minimum of 10 debit card purchase transactions must clear account. 6 Free SAFE checks or $10 discount. Limited to one box or discount per calendar year.

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