Carefree Checking
Our newest account...with no minimum balance, no monthly fee, and lots of free services. All that's required is that you receive e-Statements. No paper statements will be mailed.
Minimum opening deposit: $50.00
No monthly service charge for e-Statements only – (If e-Statements un-enroll or are not completed, a monthly paper statement fee will incur of $10.00)
Direct Deposit and Payroll Deduction Available
Free Online Banking and Bill Payment*
Mastercard ATM/Debit Card*
First check order free** unlimited check writing and no per check fee
No-fee ATM transactions at thousands of ATMs nationwide
Free Remote Automated Telephone Banking
Up to $750.00 Courtesy Pay***
*Pending Credit Approval
**First check order free on first checking account opened.
***Must be over 18. Available based on approval or after 30 days good checking history.
Choice Checking
Choice Checking is designed for all members who wish for a traditional checking account with all the bells and whistles.
Details:
Minimum Balance: $100.00
If balance falls below minimum balance at anytime charge is $10.00
Paper statements or e-Statements
Direct Deposit and Payroll Deduction Available
Free Online Banking and Bill Payment*
First check order free**
Mastercard ATM/Debit Card*
Unlimited check writing and no per check fee
No-fee ATM transactions at thousands of ATMs nationwide
Free Remote Automated Telephone Banking
Up to $750.00 Courtesy Pay***
*Pending Credit Approval
**First check order free on first checking account opened.
***Must be over 18. Available based on approval or after 30 days good checking history.
Elite Checking
Elite Checking is designed for all members who wish for a high-yield Money Market Account with easy access to their money.
Details:
Minimum Balance: $25,000.00
Dividend paid monthly based on average daily balance**
If balance falls below average daily balance, charge is $15.00
Limit of six withdrawals/transfers per month, the penalty for excess is $15.00 per transaction
Paper statements or e-Statements
Direct Deposit and Payroll Deduction Available
Free Online Banking and Bill Payment*
Mastercard ATM/Debit Card*
No-fee ATM transactions at thousands of ATMs nationwide
Free Remote Automated Telephone Banking
Up to $750.00 Courtesy Pay***
Free checks for life
No fee for cashier’s checks, money orders, or traveler’s checks
*Pending Credit Approval
**See Account Rates for current dividend percentage
***Must be over 18. Available based on approval or after 30 days good checking history.
Blue Ribbon Checking
Designed for members 65 and over, this account offers discounts on many fees and services.
Details:
Minimum Balance: $50.00
If balance falls below minimum at anytime, the charge is $4.00
Paper statements or e-Statements
Direct Deposit and Payroll Deduction Available
Free Online Banking and Bill Payment*
Mastercard ATM/Debit Card*
First check order is free**
Unlimited check writing and no per check fee
No-fee ATM transactions at thousands of ATMs nationwide
Free Remote Automated Telephone Banking
Free Money Orders and Traveler’s Checks
Up to $750.00 Courtesy Pay***
*Pending Credit Approval
**First check order free on first checking account opened.
***Must be over 18. Available based on approval or after 30 days good checking history.
Electronic Access Account
The Electronic Access Account is designed for members who do not qualify for or simply do not want a traditional checking account. All funds in this account are limited to ATM access or automated clearing house (ACH) preauthorized debits only. This account requires Direct Deposit or Payroll Deduction.
Details:
Minimum Balance: $20.00
If the balance falls below the minimum at any time, the charge is $10.00
Free Remote Automated Telephone Banking
Mastercard ATM Card
No-fee ATM transactions at thousands of ATMs nationwide
Free online banking
Courtesy Pay
Courtesy Pay is our overdraft program that requires no action on your part. You do not have to sign anything. Your Courtesy Pay limit of $150.00 - $500.00 will be automatically assigned and is based on deposited dollars to your account during the previous 30 days (and additional criteria). This overdraft service applies to your checking account only. We reserve the right to limit this service to one checking account per member.
How Does It Work?
When active, Courtesy Pay protects you with up to $500.00 of Overdraft Protection. It is a non-contractual courtesy program, and there is no fee for the service unless you use it. Please call or ask any of our Member Service Representatives for more information.
Read more below to find out how to become eligible.
To be eligible for Courtesy Pay overdraft service:
You must be at least 18 years of age*
You must set up Direct Deposit of your payroll or other income source*
If you have a loan with us, your payment may not be delinquent more than 31 days at any time**
Your Share Draft (Checking) Account may not be overdrawn more than 30 days at any time**
Accounts will be reviewed for 30 days to determine if all the above criteria are met
Your deposit (both the required Direct Deposit and over-the-counter) total during each month will be used to determine which of the tiers of Courtesy Pay limit will be granted (see table below)
Any time the required items* are not found on the account, or the maximum items** are found, Courtesy Pay shall be suspended
If the requirements* are reinstated and maximums** are reduced to bring accounts current after having been suspended, Courtesy Pay would be reinstated the following day.
| Tier # | Courtesy Pay Amount | Deposit Over |
|---|---|---|
| 1 | $150.00 | $300.00 |
| 2 | $200.00 | $1,600.00 |
| 3 | $250.00 | $2,000.00 |
| 4 | $300.00 | $2,400.00 |
| 5 | $350.00 | $2,800.00 |
| 6 | $400.00 | $3,200.00 |
| 7 | $450.00 | $3,600.00 |
| 8 | $500.00 | $4,000.00 |
Debit Mastercard
Powerful Card Benefits For Your Protection
Benefits include shopping and security!
Shopping Benefits
Extended Warranty Insurance* doubles the time period and duplicates the coverage of the original manufacturer’s or U.S. store brand warranty on new products for a maximum of one year.
Price Protection* guarantees you the best price on new products purchased with an eligible card by providing a refund on the difference if you find a lower price within 60 days of purchase.
Satisfaction Guarantee* provides up to $250.00 per new product if you become dissatisfied with their product within 60 days of purchase and the merchant will not accept a return.
Security Benefits
Identity Theft Resolution — Assisted Resolution* — If someone attempts to steal your identity, we provide the services you need to report and help resolve the incident.
Mastercard Global Service (TM)* provides around-the-clock customer service for all of your account-related questions.
Mastercard Zero Liability** protects your account against unauthorized purchases on your card should your card be lost or stolen.
*Certain restrictions, terms, and conditions apply.
**Certain restrictions apply. Please see www.mastercard.us/zero-liability.
Shopping Benefits
Extended Warranty Insurance* Doubles the time period and duplicates the coverage of the original manufacturer’s or U.S. store brand warranty on new products for a maximum of one year.
Price Protection* Guarantees you the best price on new products purchased with an eligible card by providing a refund on the difference, if you find a lower price within 60 days of purchase.
Satisfaction Guarantee* Provides up to $250 per new product, if you become dissatisfied with their product within 60 days of purchase and the merchant will not accept a return.
Security Benefits
Identity Theft Resolution — Assisted Resolution* If someone attempts to steal your identity, we provide the services you need to report and help resolve the incident.
MasterCard Global Service (TM)* Provides around the clock customer service for all of your account-related questions.
MasterCard Zero Liability** Protects your account against unauthorized purchases on your card should your card be lost of stolen.
*Certain restrictions, terms and conditions apply.
**Certain restrictions apply. Please see www.mastercard.us/zero-liability