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Freedom Checking®

A simple solution for your day-to-day needs.

Open Account

Fee Free

Keep your money

With no monthly service fees.

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.

SAFE Mobile App

Own your banking experience.

Freedom Checking


Digital Wallet

Digital wallet

Add your debit card to your digital wallet directly from our 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.

Perfect Cents Savings®

Round up and save with every purchase.

Perfect Cents Savings rounds up each SAFE Visa® debit card purchase to the next whole dollar amount. At the end of each day, the "change" from all your purchases is directly transferred from your SAFE checking account to the SAFE savings account of your choice.2

If you choose to open a savings account in addition to a checking account, make sure to enroll in the Perfect Cents Savings option.

your total Perfect Cents Savings

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 A Share Savings account, personal checking account, Freedom Check Card (debit card) and eStatements are required to participate in the Perfect Cents Savings®. Debit card purchases will post to your checking account for the exact amount of purchase. SAFE will automatically round up debit card purchases to the next whole dollar and transfer the rounded amount in excess of the purchase amount to your Share Savings (or other designated savings) account each day. The total of all excess amounts will be posted daily as a single transfer from your checking to your savings identified on your eStatement as “Perfect Cents.” If a debit card purchase is canceled or refunded, the corresponding Perfect Cents transfer will remain in the Share Savings account. If funds are not available in your checking account, if any transaction has overdrawn your account, or if eStatement service is canceled, the daily transfer to savings will not be posted. The Account Maintenance Fee assessed against the Share Savings account is waived for active Perfect Cents Savings savers who have at least one Perfect Cents transfer during the month. Features are subject to change without notice. SAFE reserves the right to cancel the service at any time.

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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