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Perfect Cents CheckingSM

Introducing Perfect Cents Checking – the account that gives you higher dividends and offers you two ways to effortlessly save.

Perfect Cents Checking comes standard with our eStatements and Perfect Cents Savings® program which rounds up each debit card purchase to the next whole dollar and deposits that change into your linked Share Savings account. And, the monthly fee is waived with eStatements and qualifying debit card purchases or direct deposits.1

When you use your SAFE Visa® Debit Card for a minimum of 10 purchase transactions, you’ll earn a higher dividend rate on the first $1,000 in both your Perfect Cents Checking and linked Share Savings accounts.2

Perfect Cents Checking is packed with perks!

  • Free Online Banking with FinanceWorks online tools
  • Free Mobile and Text Banking, plus the SAFE app for Apple® and Android™ devices3
  • Free eStatements and eAlerts
  • Free Bill Pay for active users
  • Free early paydays with Direct Deposit4
  • Free mobile check deposit5
  • Free online and mobile check images
  • Free Cash Rewards program for debit card shopping
  • Free access to nearly 30,000 fee-free CO-OP ATM locations nationwide
  • Fee-free overdraft transfers from Share Savings Account and SAFE Visa® Credit Card
  • Tiered dividends
  • Convenient Overdraft Protection options

Start earning more and saving more today!


1 $5 monthly fee is waived with eStatements and either 10 or more debit card purchase transactions per month, or direct deposits totaling $1,000 or more per month. Waived for Capitol Club and members under 21 years of age. 2 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. 3 Standard carrier rates and fees apply. 4 Subject to receipt from originator and other terms and conditions. 5 Standard carrier rates and fees apply. See SAFE for terms and qualifications.

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