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Checking Accounts

From everyday moments to big adventures.

Checking that keeps you connected.

Tap to Pay

Our tap to pay debit card

makes payments easy and secure.

Early Payday

Get paid up to 2 days early1

when you sign up for direct deposit.

30,000+ ATMs

Surcharge-free Co-op ATMs

so your money is always close at hand.

The Optimizer
In a few seconds, let the SAFE Checking Optimizer find your right fit!

Perfect Cents Checking®

Our most popular checking account created for everyday users. Earn dividends on your day-to-day balance.

Earn % APY on your first .2

Early Payday with Direct Deposit.1
$25 minimum opening deposit.

Freedom Checking

Easy, stress-free checking for a simplified banking experience.

No monthly service fee.

Early Payday with Direct Deposit.1
$25 minimum opening deposit.

Prestige Checking

Account tailored to those with high account balances.

Earn dividends, tiered based on daily balance.

Early Payday with Direct Deposit.1
$25 minimum opening deposit.

Young person playing guitar

Kid & Teen Accounts

Check out our Kid and Teen account options to start your child's financial journey.

Checking Features


Digital Wallet

Digital wallet

Add your debit card to your digital wallet directly from the SAFE Mobile App.

SAFE Pay (P2P)

SAFE Pay (P2P)

Pay friends and family in a snap with SAFE Pay.

Overdraft Protection

Overdraft Protection

Choose a fee-free overdraft transfer option in case you overdraw from checking.

Contacatless Pay Iconap to Pay

Tap to Pay

Our tap to pay debit card makes payments easy and secure.

Your funds are insured

Your funds are insured

The NCUA federally insures your funds to at least $250,000.

Get support in person

Get support in person

Visit our local branches to bank with our friendly SAFE Representatives.

SAFE Mobile App

Own your banking experience.

1 With Early Payday, SAFE may make incoming direct deposits made through ACH available for use up to two days before the scheduled payment date. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Funds availability may depend on when we receive the originator’s instructions, any limitations we set on the amount of early availability, and fraud prevention screening. Funds not eligible for Early Payday deposits or credits to your account, include deposits of physical checks or remote check deposits, and other online transfers or electronic credits.
2 Annual Percentage Yield (APY) accurate as of  and subject to change monthly. APY of % paid only on the portion of your daily balance that is less than or equal to . APY of  paid on balances of  or more. Two monthly requirements must be met to receive dividends on Perfect Cents Checking: 1) Active enrollment in eStatements; 2) Minimum of 10 debit and/or credit card purchase transactions post and settle each month. For credit card transactions to count towards the requirement, the credit card must be established under the tax reporting owner of the Perfect Cents Checking account. Fees may reduce earnings on accounts.

The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.

Beyond Everyday Banking

Browse SAFE blog articles:

    SAFE Blog Feed

Zogo, Learn & Earn App

Learn about finances as easily as playing a game on your phone! The Zogo app brings fun to learning and an opportunity to earn rewards like gift cards to your favorite places.

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