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EVERYDAY CHECKING
Our tap to pay debit card makes payments easy and secure.
Get paid up to 2 days early1 when you sign up for direct deposit.
Surcharge-free Co-op ATMs so your money is always close at hand.
In a few seconds, let the SAFE Checking Optimizer find your right fit!
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.
Smart money habits start early. Checking accounts are available for ages 6 and up.
No monthly service fee.
Account tailored to those with high account balances.
Earn dividends, tiered based on daily balance.
Set your child up for a lifetime of financial success.
Check out all our Kid & Teen account options.
Low minimum to open. Checking, savings, certificates, and more.
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Log in to open a new SAFE account in minutes.
Welcome! Open your new SAFE account in minutes.
Add your debit card to your digital wallet directly from the SAFE Mobile App.
Pay friends and family in a snap with SAFE Pay.
Choose a fee-free overdraft transfer option in case you overdraw from checking.
The NCUA federally insures your funds to at least $250,000.
Ages 6–15 need a parent or guardian to open the account with them. Teens 16–17 can apply solo with a government-issued ID.
Easily move money between your SAFE accounts or external account, schedule bill payments, and send money to friends and family.
Add your SAFE Visa® debit and credit cards to your digital wallet, turn them on or off, and set alerts to track your spending.
Skip the line at the branch or ATM. Securely deposit your checks in a snap from your phone into your desired SAFE account.
Earn instant cash back with SAFE Shopping+, securely apply for an account or auto loan, and view your account statements.
Easily move money between your SAFE accounts, schedule bill payments or send money to friends and family.
Access comprehensive 24/7 features for your SAFE Visa® debit and credit cards. Add your card to your digital wallet, turn them on or off or set alerts to keep track of your spending.
Earn instant cash back with SAFE Shopping+, securely apply for an account or auto loan or view your account statements.
Purchase digital gift cards in the SAFE Shopping+ tab in the SAFE Mobile App or Online Banking, then use them in store or online—get instant cash back on every gift card you buy.
Browse and buy gift cards from your favorite brands.
Get instant cash back. Redeem when and how you want.
The more cards you buy, the more cash that adds up.
Use your purchased gift cards when shopping in store or online.
Digital Wallets
Beyond Everyday Banking
Browse SAFE blog articles:
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.
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.
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