Checking

We proudly offer a wide range of Checking Account options to fit your financial needs and lifestyle, and opening an account is as easy as visiting our Memorial Blvd., County Office Building, StoneView, or White House branch. All our account types and features are listed below, but please come in or call us with any questions.

 
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 Minimum daily balance $0.00
  • No Monthly Service charge $0.00
  • E-Statements Only
  • Direct Deposit and Payroll Deduction Available
  • Free Online Banking and Bill Payment*
  • ATM/Visa Debit Card*
  • First Check Order Free
  • Unlimited Check Writing and No Per Check Fee
  • Free ATM Transactions at Thousands of ATMs Nationwide
  • Free Remote Automated Teller Phone Banking
  • Up to $500 Member Privilege®†
Choice Checking

Choice Checking is designed for all members who wish for a traditional checking account with all the bells and whistles. This account includes:

  • Minimum Balance: $100
  • If balance falls below minimum balance at anytime charge is $10
  • Paper Statements or E-Statements
  • Direct Deposit and Payroll Deduction Available
  • Free Online Banking and Bill Payment*
  • First Check Order Free
  • ATM/Visa Debit Card*
  • Unlimited Check Writing and No Per Check Fee
  • Free ATM Transactions at Thousands of ATMs Nationwide
  • Free Remote Automated Teller Phone Banking
  • Up to $500 Member Privilege®†
Elite Checking

Elite Checking is designed for all members who wish for a high yield money market account with easy access to their money. This account includes:

  • Minimum Balance: $25,000
  • Dividend paid monthly based on average daily balance**
  • If balance falls below average daily balance charge is $10
  • Limit of 3 Withdrawals per month, penalty for excess is $15
  • Limit of 6 Transfers per month, penalty for excess is $15
  • Paper Statements or E-Statements
  • Direct Deposit and Payroll Deduction Available
  • Free Online Banking and Bill Payment*
  • ATM/Visa Debit Card*
  • Free ATM Transactions at Thousands of ATMs Nationwide
  • Free Remote Automated Teller Phone Banking
  • Up to $500 Member Privilege®†
  • Free Checks for Life
  • No fee for Cashiers Checks, Money Orders, or Travelers Checks
Blue Ribbon Checking

Blue Ribbon checking is designed for members 65 and over. This account offers discounts on many fees and services... This account includes:

  • Minimum Balance: $50
  • If balance falls below minimum at anytime the charge is $4
  • Paper Statements or E-Statements
  • Direct Deposit and Payroll Deduction Available
  • Free Online Banking and Bill Payment*
  • ATM/Visa Debit Card*
  • First Check Order Free
  • Unlimited Check Writing and No Per Check Fee
  • Free ATM Transactions at Thousands of ATMs Nationwide
  • Free Remote Automated Teller Phone Banking
  • Free Money Orders and Travelers Checks
  • Up to $500 Member Privilege®†
ATM Only Account

The ATM Only 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 withdrawal only from an ATM. This account requires direct deposit or payroll deduction.

  • Minimum Balance: $20
  • If balance falls below minimum at anytime charge is $10
  • Free Remote Automated Teller Phone Banking
  • ATM Card
  • Free ATM Transactions at Thousands of ATMs Nationwide
What Is 'Member Privilege'?

Member Privilege® is the Credit Union's Overdraft Protection Program. You may qualify for the program based on your credit score at the time your account is opened, or after 30 days of opening the account and keeping it in good standing.

How does it work?

When active, Member Privilege protects you with up to $500 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.

What qualifies my account as being in good standing?

Your account is considered in good standing if:

  • You demonstrate responsible account management by making regular desposits to maintain a positive balance
  • You avoid excessive overdrafts which would suggest the Member Privilege program is being used as a continuing line of credit, and
  • There are no legal orders, levies, or liens against your account

 

*Pending Credit Approval
**See Account Rates for current dividend percentage
†Must be over 18. Available based on credit approval or after 30 days good checking history


 

Your savings federally insured to at least
$250,000.00 and backed by full faith and
credit of the United States government.
National Credit Union Administration, 
a U.S. Government Agency.

We do business in accordance with
the Federal Fair Housing Law and the
Equal Credit Opportunity Act