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Perfect Cents Checking®

Perfect Cents Checking® offers higher dividends – and helps you effortlessly save.

When you use your SAFE Visa® Debit Card for a minimum of 10 monthly purchase transactions, you’ll earn a higher dividend rate on the first $1,000 in both your Perfect Cents Checking and linked Share Savings accounts.1 Plus, the monthly account fee is waived with enrollment in eStatements and qualifying debit card purchases or direct deposits.2

To set our members up for savings success, Perfect Cents Checking features automatic enrollment in the Perfect Cents Savings® program3. Visit the Perfect Cents Savings page to learn how the program helps members boost their monthly savings.

By taking advantage of Perfect Cents Checking, you’ll enjoy all the following account perks:

  • Free Online Banking with FinanceWorks online tools
  • Free Mobile Banking and Text Banking, plus the SAFE app for Apple® and Android devices4
  • Free eStatements and eAlerts
  • Free Bill Pay for active users
  • Free early paydays with Direct Deposit5
  • Free mobile check deposit6
  • Free online and mobile check images
  • Free Cash Rewards program for debit card shopping
  • Access to 30,000 surchage-free CO-OP ATM locations nationwide
  • Fee-free overdraft transfers from Share Savings Account and SAFE Visa® Credit Card
  • Tiered dividends
  • Convenient Overdraft Protection options
  • Apple Pay®, Android Pay, and Samsung Pay compatibility

Start saving – and earning – more today!


1 Two monthly requirements must be met to receive dividends on Perfect Cents Checking and premium dividends on linked Share Savings or Young Member Account: 1) Active enrollment in eStatements; 2) Minimum of 10 debit card purchase transactions must clear account. 2 $5 monthly fee is waived with eStatements and either 10 or more debit card purchase transactions per month, or direct deposits totaling $500 or more per month. Also waived for Capitol Club, members under 21 years of age, and the first 90 days from account opening. 3 Members can unenroll from Perfect Cents Savings at any time. 4 Standard carrier rates and fees apply. 5 Subject to receipt from originator and other terms and conditions. 6 Standard carrier rates and fees apply. See SAFE for terms and qualifications.

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