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Safe Spending Account

No Muss. No Fuss.

No Overdraft Fees. 


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Enjoy the convenience and flexibility you need for daily personal banking without worrying about overdraft fees. Plus, you'll have free access to online and mobile banking, account alerts1, bill pay, and mobile check deposit2. 




What you get with our Safe Spending Checking Account:

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No Overdraft Fees

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No Account Activation, Closure, Dormancy, or Low Balance Fees

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Mobile Banking with Check Deposit1,2

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Get paid one day early with Early Pay3

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Over 70 locations including branches inside Walmart

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Eligible for Saving Cents - round up your debit card purchases and put the change in savings

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Visa debit card usage alerts

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Refer Friends. Refer Rewarded. $50 for you, $50 for them!1, 4


























A few nice-to-knows:

  • There is a $25 opening deposit requirement.
  • There is a $5 monthly recurring service charge.
  • Paper checks are not included with this account. You have an option to purchase paper checks at any time.
  • If you choose to receive paper statements, a $2.00 paper statement fee will apply.
  • You can use Cash2Debit™ to make a cash deposit with your debit card at a participating retailer. A $4.95 per transaction fee may apply.5
  • In-network ATMs are free, and out-of-network ATM fees are only $2.75.






































Related FAQs


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1 Message and data rates charged by your mobile phone carrier may apply.
2 Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and restrictions apply.
3 Direct deposit required for Early Pay. Maximum ACH credit is $15,000.00.
4 Terms and conditions apply.
5 Deposit limits and restrictions apply. Not available in Vermont. Ask an Academy Bank associate for details. Not available at self-checkout.