{"account":{"slug":"penfed-access-america-checking","bank":"PenFed Credit Union","name":"Access America Checking"},"status":"due","lastVerified":"2026-06-11","officialSource":"https://www.penfed.org/checking/access-america","history":[{"date":"2026-06-11","apy":"0.15% up to $20,000; 0.35% from $20,000 to $50,000","monthlyFee":"$10, waived with $500+ monthly direct deposit or $500+ daily balance","minimumOpen":"$25","atm":"85,000+ free network ATMs; no out-of-network rebates","note":"Legacy snapshot without event-level evidence"}],"verificationEvents":[],"methodology":"https://creditcompound.com/how-we-rate#verification"}