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Freedom Checking
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Log in to open a new SAFE account in minutes.
Welcome! Open your new SAFE account in minutes.
With no monthly service fees.
when you sign up for direct deposit.
on brands you love.
Set alerts to keep track of spending, account balance, and large deposits & withdrawals.
Transferring funds between SAFE accounts is immediate. Move your money to and from checking, savings, money market, and more.
Skip the line at the branch or ATM. Securely deposit your checks in a snap from your phone into your desired SAFE account.
Misplace your debit card or think it’s lost or stolen? No problem. Turn your card off and on when you want or block your card to keep anyone from using it.
Add your debit card to your digital wallet directly from our app.
Pay friends and family in a snap with SAFE Pay.
Choose a fee-free overdraft transfer option in case you overdraw from checking.
Our tap to pay debit card makes payments easy and secure.
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.
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.
Gift Card+ is like SAFE’s cash back program for your debit card! Buy digital gift cards through the Gift Card+ tab in your SAFE Online Banking dashboard and get cash back—it’s as simple as that!
Choose gift cards from brands like Amazon.com, Best Buy®, and Starbucks®.
Get instant cash back.
Enjoy personalized offers just for you.
Never pay hidden fees or extra costs.
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.
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.
If you click "continue" below, you will be directed to a third party's web site. As a member service, SAFE Credit Union offers links to web sites of third parties whose products or services we believe offer good value and may be of interest to you. In some cases, if allowed by law, SAFE Credit Union may receive compensation from third parties whose products or services you purchase. Third parties are solely responsible for their web sites, products and services, and maintain their own consumer data privacy policies, which may differ from those of SAFE Credit Union. Use of third party services, products and web sites is solely at your discretion. To go to a third party web site, click "continue." To go back to SAFE Credit Union's web site, click "close."
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