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Checking Accounts

Our checking accounts are the easiest way to become a SAFE member and start receiving member benefits. 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!

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 eStatements2

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

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 apply6,2

Minimum Opening Deposit


At a glance

Our premiere account offering, exclusively for Capitol Club members

Monthly Fee

No monthly service fee2

Minimum Opening Deposit


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, create your own personalized checklist.

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1 Subject to receipt from originator and other terms and conditions. 2 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. 3 Enrollment in Perfect Cents Savings program can be established or discontinued at any time upon request. 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, members less than 21 years of age, and the first 90 days from account opening. 5 Limited to one box or discount per calendar year. 6 $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 and the first 90 days from account opening. 7 Standard carrier rates and fees apply.

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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