Checking COMPARISON
choose which checking account option is right for you
|
FREE Rewards+
|
FREE Checking Option
|
|
Minimum One-Time Opening Deposit |
$25.00 | $25.00 |
$25.00 |
Monthly Maintenance Fee |
No |
$5.95 $4.95 for members age 65 + |
No No minimum balance or service requirements |
Earns Dividends |
Yes | Yes |
No |
Rewards1 |
Yes 10% cash back on your first $100 of monthly debit card purchases, up to $10 back per month, $120 per year. |
No | No |
ATM Rebates1 |
Up to $25 for |
No | No |
Cellular Telephone Protection2 |
No | Yes | No |
Roadside Assistance Service2 |
No | Yes | No |
Identity Theft Protection Service2 |
No | Yes |
No |
MasterCard® Tap to Pay Debit Card |
Yes | Yes |
Yes |
Free Online and Mobile Banking includes Bill Pay, Mobile Deposits and Bank-to-Bank transfers |
Yes | Yes |
Yes |
Free CO-OP ATM and Shared Branch Usage Over 30,000 ATMs and 5,000 Branches throughout the US |
Yes | Yes |
Yes |
Free Point-of-Sale (POS) Transactions |
Yes | Yes |
Yes |
Free Check Writing |
Yes | Yes |
Yes |
Zero Liability Policy Protects you from unauthorized charges on your MasterCard Debit Card |
Yes | Yes |
Yes |
Federally Insured up to $250,000 by NCUA |
Yes | Yes |
Yes |
Yes | Yes | Yes |
Checking account eligibility is subject to age and ChexSystem verification.
1Rewards+ Checking:
Minimum Balance and Deposit Requirements: The minimum deposit required for you to open a Rewards+ Checking Account is $25.00. You must maintain the minimum balance of $.01 to obtain the annual percentage yield stated on the Deposit Rates Sheet. Rewards: To be eligible to earn rewards, account owner(s) must:
• Complete a minimum of 12 debit card or point-of-sale transactions each calendar month;
• Be enrolled in eStatements; and
• Log onto Online Banking at least one time each calendar month.
Rewards include:
• Up to $25 ATM fees reimbursed on the last day of the month for out-of-network ATMs.
• 10% of debit card transactions and point-of-sale transactions up to $10 earned at the end of each calendar month.
The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by the Credit Union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by the Credit Union. Transactions bundled together by merchants and received by the Credit Union as a single transaction count as a single transaction for the purpose of earning account rewards. If the account does not qualify for rewards for three consecutive calendar months, the account will be converted to the Classic Checking Account.
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