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Military benefits and request guidance for your bank or credit union.

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Banks and credit unions

Ally

Ally Bank · FDIC-insured bank

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American Express

American Express National Bank · FDIC-insured bank

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Armed Forces Bank

Armed Forces Bank, National Association · FDIC-insured bank

Where to start

Access Freedom Checking has no monthly service charge or minimum-balance requirement; it requires $25 to open and eStatements. Military Early Pay may make qualifying military direct deposits available one business day early on eligible checking or savings accounts. As of the August 23, 2026 review, Armed Forces Bank did not list a dedicated public SCRA request page or submission route. Federal protections may still apply, so ask the bank or the servicer on your latest statement for instructions before sending military documents.

Bank of America

Bank of America, National Association · FDIC-insured bank

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BMO U.S.

BMO Bank National Association · FDIC-insured bank

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Capital One / Discover

Capital One, National Association · FDIC-insured bank

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Charles Schwab Bank

Charles Schwab Bank, SSB · FDIC-insured bank

Where to start

Charles Schwab Bank does not list a dedicated public SCRA route on the official pages we reviewed. Call Schwab Client Banking Services, use a signed-in secure message, or ask a Schwab branch where to direct an account-specific request before sharing military documents.

Chase

JPMorgan Chase Bank, National Association · FDIC-insured bank

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Citi

Citibank, National Association · FDIC-insured bank

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Citizens

Citizens Bank, National Association · FDIC-insured bank

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City National

City National Bank · FDIC-insured bank

Where to start

City National provides federal SCRA information and a dedicated contact. We have not confirmed an extra benefit from the bank.

East West Bank

FDIC-insured bank

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Fifth Third

Fifth Third Bank, National Association · FDIC-insured bank

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First Citizens

First-Citizens Bank & Trust Company · FDIC-insured bank

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First Horizon

First Horizon Bank · FDIC-insured bank

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Flagstar

Flagstar Bank, National Association · FDIC-insured bank

Where to start

Flagstar waives the $15 Elite Checking monthly fee for active-duty U.S. military members and veterans. A $50 opening deposit and current account terms apply; no dedicated public SCRA intake was found.

HSBC USA

HSBC Bank USA, National Association · FDIC-insured bank

Where to start

HSBC's mortgage refinance page warns active-duty customers to ask an advisor whether refinancing could affect SCRA protections on an existing mortgage. The page does not publish a benefit offer or a dedicated SCRA request route.

Huntington

The Huntington National Bank · FDIC-insured bank

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KeyBank

KeyBank National Association · FDIC-insured bank

Where to start

A qualifying KeyBank private student loan serviced by MOHELA may receive discretionary forbearance during named active-duty or Guard service tied to war, a military operation, or a national emergency. Interest may capitalize and other loan benefits may be affected; this is not a bankwide KeyBank SCRA route.

M&T Bank

Manufacturers and Traders Trust Company · FDIC-insured bank

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Marcus by Goldman Sachs

Goldman Sachs Bank USA · FDIC-insured bank

Where to start

Goldman Sachs does not list a dedicated SCRA request option. For an Apple Card, use Messages or call 877-255-5923 and ask where to send an SCRA request before sharing military documents. Confirm the issuer shown on your latest statement.

Morgan Stanley Bank

Morgan Stanley Bank, National Association · FDIC-insured bank

Where to start

Morgan Stanley Bank does not list a dedicated SCRA request option. Use the number on your latest statement or call 888-454-3965 and ask for the SCRA or military-benefits team before sending documents.

Morgan Stanley Private Bank

Morgan Stanley Private Bank, National Association · FDIC-insured bank

Where to start

Morgan Stanley Private Bank does not list a dedicated SCRA request option. Use the number on your latest statement or call 888-454-3965 and ask for the SCRA or military-benefits team before sending documents.

Navy Federal Credit Union

NCUA-insured credit union

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Northern Trust

The Northern Trust Company · FDIC-insured bank

Where to start

Northern Trust does not list a dedicated SCRA request option. For a deposit or loan account, call 888-289-6542; for a credit card, call 800-558-3424 and ask where to send a request before sharing military documents.

Old National

Old National Bank · FDIC-insured bank

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PenFed Credit Union

Pentagon Federal Credit Union · NCUA-insured credit union

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Pinnacle Bank / Synovus

Pinnacle Bank · FDIC-insured bank

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PNC

PNC Bank, National Association · FDIC-insured bank

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Regions

Regions Bank · FDIC-insured bank

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Santander Bank

Santander Bank, N.A. · FDIC-insured bank

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Security Service Federal Credit Union

NCUA-insured credit union

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Service Credit Union

Service Federal Credit Union · NCUA-insured credit union

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Synchrony

Synchrony Bank · FDIC-insured bank

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TD Bank U.S.

TD Bank, National Association · FDIC-insured bank

Where to start

TD Bank does not list a dedicated SCRA request option. Call the support number for your account and ask for the SCRA or military-benefits team before sending military documents.

U.S. Bank

U.S. Bank National Association · FDIC-insured bank

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UBS Bank USA

UBS Bank USA, National Association · FDIC-insured bank

Where to start

UBS Bank USA does not list a dedicated SCRA request option. Call 800-762-1000 or your UBS Financial Advisor and ask where to send a request before sharing military documents. A military-credit disclosure in its card agreement is not an SCRA request process.

USAA

USAA Federal Savings Bank · FDIC-insured bank

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Webster Bank

Webster Bank, a division of Santander Bank, N.A. · FDIC-insured bank

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Wells Fargo

Wells Fargo Bank, National Association · FDIC-insured bank

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Western Alliance

Western Alliance Bank · FDIC-insured bank

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Zions Bank

Zions Bancorporation, N.A. · FDIC-insured bank

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Can't find an SCRA contact?

Call the number on your latest statement and ask which team handles military benefits.

See what our review of 43 banks and credit unions found