With AccountUSA
You'll be back in the banking system, with a bank account with all the features that traditional accounts come with, including a PlatinumCash^TM ATM card, an FDIC-insured checking account with checks, and much more.

With your BounceGuard^SM Checking Account
You're guaranteed never to bounce a check again. The way this works is when you want to write a check, just call our toll free Authorization Line to authorize your check for the amount. This amount is then held from your account which will help you avoid bouncing your check.

Direct Deposit with Overdraft Protection*
With a DIRECT CHECKING Account, you'll never have to worry again about emergencies if you need a little extra cash until your next paycheck.

Finally, the bank account is completely yours. If you change jobs, you keep the same account, whether you choose DIRECT CHECKING or STANDARD CHECKING.      Compare Accounts

When you enroll, you'll receive your startup kit in the mail, complete with personalized ATM card, courtesy checks, terms and pricing disclosure. All you have to do is call us toll-free to activate, make your first deposit, and you're ready to bank again!

When your employer offers direct deposit
You are eligible for a DIRECT CHECKING Account.You're ready to go as soon as your first check is deposited, usually your next pay period. We'll help guide you through this simple process.

If your employer does not offer direct deposit
You have several options on how to deposit your first check into your STANDARD CHECKING Account, including sending us a US Postal Money Order or depositing your funds through authorized locations. We can also help you initiate direct deposit by assisting your employer with direct deposit setup.

If you receive a government check
We'll help you handle direct deposit of your benefits, and your account will be ready to use as soon as your first deposit is made.

Why direct deposit?
Your funds are available immediately after deposit. In addition to saving on fees, time, paycheck cashing costs and headaches, direct deposit will allow you to have your money on payday morning. No need to wait until you get your paycheck cashed. You will also have the added peace of mind of Overdraft Protection.