{"account":{"slug":"penfed-access-america-checking","bank":"PenFed Credit Union","name":"Access America Checking"},"status":"recent","lastVerified":"2026-10-12","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","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-10-12","apy":"0.05% on balances up to $50,000 with $500+ monthly direct deposits (as of October 1, 2026)","monthlyFee":"$15, waived with $500+ monthly direct deposit or $500+ daily balance","minimumOpen":"$25","note":"Monthly fee rose from $10 to $15 and the two-tier 0.15%/0.35% dividend became a single 0.05% APY that requires direct deposit","sourceUrl":"https://www.penfed.org/checking/access-america","sourceLabel":"PenFed Access America Checking product page"}],"verificationEvents":[{"id":"e5eef8f5-f38e-4b74-9d6a-12c7dc2e2048","entityType":"bank-account","slug":"penfed-access-america-checking","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:19.829Z","sourceUrl":"https://www.penfed.org/checking/access-america","sourceLabel":"PenFed Access America Checking page","outcome":"unavailable","summary":"Official page returns 403 to curl/fetch and HTTP2 protocol errors in headless browser; record left unchanged","changedFields":[],"previousHash":"7a494845aeee5578dfebdf2f8b29306eb0b426e50ecc294d88f8cd424898edce","recordHash":"c932aaad669cde2ad317575bf5b680e49d1e31501480f244313d897427fd93ae"},{"id":"a39c13e7-6cee-4628-b7f3-3427d8240021","entityType":"bank-account","slug":"penfed-access-america-checking","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:32:58.651Z","sourceUrl":"https://www.penfed.org/checking/access-america","sourceLabel":"PenFed Access America Checking product page","outcome":"changed","summary":"Monthly fee now $15 (waived with $500 DD or $500 daily balance); dividend now 0.05% APY up to $50,000 with $500 DD","changedFields":["apy","monthlyFee"],"facts":{"monthlyFee":15,"apy":0.05},"previousHash":"0a43b9170d61c9ebc3c2a8ab52142633913a05ff41949cd5873c0cc699829fcb","recordHash":"3fb441a6a17f58692f6c6c8f19b47f34d083d6266cfe70476aa29b72d3799d09"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}