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Personal Manage Your Money

Checking Accounts

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

At a glance

For members looking for a basic checking account – perfect for those just starting out

Monthly Fee

No monthly fee with eStatements5

Minimum Deposit


Perfect Cents Checking®


At a glance

For members who actively use their cards for everyday purchases and are looking for simple savings solutions

Monthly Fee

No monthly fee with eStatements and either direct deposit or 10 purchase transactions; other qualifications may apply2

Minimum Deposit




At a glance

For members who maintain high daily account balances and are looking for higher-rate dividends

Monthly Fee

No monthly fee with minimum daily balance of $1,000 or more; other qualifications may apply4,5

Minimum Deposit


At a glance

Our premiere account offering, exclusively for Capitol Club members

Monthly Fee

No monthly fee5

Minimum Deposit


Digital banking at your fingertips

SAFE is always there for YOU

Misplaced Your Card?

Turn your card off and on when you want.


Card Lost or Stolen?

Block your card to keep anyone from using it.


Need to transfer funds?

Easily move money between your SAFE accounts and to your friend's SAFE account.


Want easy Bill Pay options?

Easily schedule payments in a snap.

Mobile Device
Download on the App Store
Get it on Google Play

Going somewhere?

Set travel notifications for hassle-free transactions.


Feel safer with notifications?

Track account activity in real time.


Ready for Rewards?

Earn cash back from your everyday debit card purchases.


Need help?

Securely chat with our friendly team members.


Friendly tech options with you in mind


Digital Wallet



SAFE's got your back with overdraft protection

It's easy to make your checking account fit your busy lifestyle. SAFE offers two convenient options to cover your account.

Learn More

Switch Checking

At SAFE, we’re committed to making the transition of switching checking accounts simple, easy, and secure. When you’re ready, check out our handy Switch Kit.

Get Started

1 Enrollment in Perfect Cents Savings program is pre-selected upon account opening but may be deselected or discontinued at any time upon request. $5 monthly fee is waived with eStatements and either 10 or more debit and/or credit card purchase transactions must clear same membership account per month, or direct deposits totaling $500 or more per month. Also waived for Capitol Club, members less than 21 years of age, and the first 90 days from account opening. 3 Limited to one box or discount per calendar year. 4 $8 monthly fee is 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 and the first 90 days from account opening. 5 A separate $2 paper statement fee may be charged each month a paper statement is generated. Waived for members under 21 years of age or members 65 years of age or older, or Capitol Club. 6 Standard carrier rates and fees apply. 7 Subject to receipt from originator and other terms and conditions.

Frequently Asked Questions

How do I activate my SAFE Visa® Debit Card through Online Banking?

  1. Log in to Online Banking with the account the debit card is linked to. If you have not logged into Online Banking previously, login with your account number and CALL-24 PIN. If you do not know your CALL-24 PIN, please call SAFE's Call Center at (800) SEE-SAFE.
  2. Click on the Additional Services tab
  3. Select the Activate Debit Card link

Does SAFE offer free checking accounts?

All SAFE Checking accounts are potentially free of monthly service charges. For information on potential fees, and how to avoid them, please refer to our Fee Schedule.

Who do I contact after hours to report a lost/stolen SAFE Visa® Debit Card?

To report a lost/stolen SAFE Visa Debit Card after hours please call (800) 252-2273.

How do I initiate an electronic (ACH) withdrawal, deposit, or payment on my SAFE account?

Please provide SAFE's Routing number (321173742) in addition to the information listed below:

  • For checking, provide the account number as listed on the bottom of your check following the routing number. (Do not include the leading zeros.)
  • For savings (includes Money Market), provide your account number and 2-digit savings or money market suffix as listed on your SAFE account statement.

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