Secure Checking Account

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^* Registration/activation required. Health Discount Savings is not insurance.

¹ Eligibility: Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account owner who are residents of the same household.

² You will have access to your credit report and score provided your information has been verified by the credit reporting agency (CRA). Credit score is a VantageScore 3.0 based on Transunion data. Third parties may use a different type of credit score to assess your creditworthiness. Free credit reports are available under federal law at AnnualCreditReport.com. 

³ Special Program Notes: Please refer to your actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

⁴ Electronic deposits are available up to 2 business days early depending on timing of receipt into our Automatic Clearing House (ACH) database.  Member must be enrolled in direct deposit through their employer. Excludes International deposits.

⁵Surcharge-free ATMs are available through AllPoint and MoneyPass networks. Visit allpointnetwork.com or moneypass.com to find one near you.

⁶ An overdraft fee may be imposed for covering overdrafts created by check or electronic funds transfer, including debit card transactions and Automated Clearing House transactions. If sufficient funds are not available, then any such item presented may be returned to the payee due to non-sufficient funds and all applicable fees may be charged to your Account as set forth in the Truth-In-Savings Fee Schedule.

⁷ This is an optional service on eligible Checking Accounts for each membership. Eligibility is at the sole discretion of the Credit Union and is based on you managing your Checking Account in a responsible manner. This service allows us to pay, at our discretion, any withdrawal order item (whether by check, electronic funds transfer, including ATM and everyday (one-time) debit card transactions and Automated Clearing House (ACH) preauthorized transactions) if you do not have enough available funds to cover the item(s) in your Checking Account. However, if you would like to include overdrafts for ATM and everyday (one-time) debit card transactions, you are required to “opt-in” (in other words, you must provide us with your affirmative consent) to the overdraft service. If we pay overdraft items for you, we will charge your Account an overdraft fee for each overdraft, as set forth in the Truth-In-Savings Fee Schedule. With Overdraft Privilege Pay, we will generally pay your overdraft items up to a total of $800.00; however, whether your overdrafts are paid is discretionary and we reserve the right not to pay an overdraft on your Checking Account. For example, we typically do not pay overdrafts if your Account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. Accounts must be brought to a positive account balance within 30 calendar days.