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Checking Accounts

We're locally made, community built, and all about YOU. Become a SAFE member with a SAFE checking account. It’s the easiest way to start receiving member benefits. We’ll show you that you come first.

We have several different checking account options to fit your needs. Utilize our optimizer below to meet your perfect match.

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

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 service fee with eStatements and either direct deposit or 10 purchase transactions; other qualifications may apply4

Minimum Opening Deposit


At a glance

For members looking for an easy, stress-free checking account—a simple solution for day-to-day purchases and for those starting on their financial journey 

Monthly Fee

No monthly service fees with eStatements5

Minimum Opening Deposit


At a glance

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

Monthly Fee

No monthly service fee with minimum daily balance of $1,000 or more; other qualifications may apply7,5

Minimum Opening Deposit


At a glance

Our premiere account offering, exclusively for Capitol Club members

Monthly Fee

No monthly service fee5

Minimum Opening Deposit


1 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 $1,000. APY of  paid on balances of $1000.01 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 merchant 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. 2 Enrollment in Perfect Cents Savings program can be established or discontinued at any time upon request. 3 Subject to receipt from originator and other terms and conditions. 4 $5 monthly service fee is waived with eStatements and either 10 or more debit and/or credit card purchase transactions clearing same membership account per month, or direct deposits totaling $500 or more per month. Also waived for Capitol Club and members less than 21 years of age. 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 Limited to one box or discount per calendar year. 7 $8 monthly service 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.

Friendly tech options with you in mind


Digital Wallet

Overdraft Protection


Connect Your Account

At SAFE, we’re committed to making the transition of switching checking accounts simple, easy, and secure. When you’re ready, create your own personalized checklist.

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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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