Skip to main content

SAFE will be closed for business Wednesday, June 19, 2024, to honor the Juneteenth holiday. SAFE will be open for limited business hours from 10 a.m. to 2 p.m. on Friday, June 21, 2024, for a company event. Access your accounts 24/7 through Online Banking and the SAFE Mobile App.

hero image

Perfect Cents Checking®

Earn dollars, not cents. Checking that pays.

Open Account

% APY1

Earn higher dividends

on your first  with everyday banking.

Early Payday

Get paid up to 2 days early2

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.

Perfect Cents 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.

Be Fee-Free

Be Fee-Free3

Waive monthly service fee with eStatements & $500 in direct deposit or 10 debit (and/or credit) card purchases.

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.4

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

Frequently Asked Questions


It’s easy! When you deposit your money into a Perfect Cents Checking account, you earn a little extra month to month just for putting your money there. This extra amount is called a "dividend." It's a way for your money to automatically grow while it's in the account. You’ll earn % APY on the first  in your checking, and  APY on anything  and up. 1

To earn dividends:

You must be enrolled in eStatements AND you must have a minimum of 10 debit (and/or credit) card purchase transactions post each month.

The annual percentage yield (APY) refers to the amount of money you earn on an account over one year through dividends. The APY takes into account compound dividend earnings. For the Perfect Cents Checking, you’ll earn % APY for the first .1

To avoid the $5 monthly service fee, you must be enrolled in eStatements and you must have a minimum of 10 or more debit (and/or credit) card purchase transactions post each month or direct deposits totaling $500 or more per month.3

Many young members open a Perfect Cents Checking accounts before they are 21 and we waive the monthly service fee for them. When members turn 21, the fee waiver no longer applies and they must meet the requirements listed above to avoid the $5 monthly service fee.

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 . 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.
2 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.
3 $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.
4 A personal savings account, personal checking account, SAFE Visa Debit Card and eStatements are required to participate in 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 the total of all excess amounts will be posted daily as a single transfer from your checking to your linked savings account. These transfers will be 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 designated savings account. The daily transfer will not post if funds are not available in your checking account, your account is overdrawn, the transfer amount brings your checking account to a zero balance, or eStatement service is canceled. 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.

Hi! Let’s get started.

Need help logging in?

Not enrolled? Get Started!