a happy man smiles

Safe Spending Account

No Muss. No Fuss.

No Overdraft Fees. 


Enter your zip code to view local account options.


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's included with Safe Spending Checking:

shield icon
No Overdraft Fees

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

mobile phone icon
Mobile Banking with Check Deposit1,2

calendar icon
Get paid one day early with Early Pay3

bank icon
Over 70 locations including branches inside Walmart

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

bank card icon
Visa debit card usage alerts

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


























Safe Spending Account 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 Walmart. A $4.95 per transaction fee may apply.5
  • In-network ATMs are free, and out-of-network ATM fees are only $2.75.






































Safe Spending Checking Account FAQs


3



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.