Checking Accounts

Checking Accounts

A Credit Union checking account gives you a cost effective and convenient way to write checks. Our checking accounts feature:

  • NO Minimum Balance
  • NO Monthly Service Charge
  • NO Per Check Fee
  • Direct Deposit/Payroll Deduction
  • FREE First 50 Personalized Checks
  • ATM/Debit Card
  • Teller 24 Access
  • Online Banking Access
  • Online Bill Payer

Overdrawn Accounts

When a member overdraws a checking account, the Credit Union gives them a courtesy call. If the member brings in a deposit or transfers money to cover an overdraft there is a $9.00 per check overdraft fee. All deposits or transfers to cover overdrafts must be in by 1:00 pm. Any check not covered is returned for insufficient funds with a $30.00 per check fee.  The credit union reserves the right to close a checking account after three returned checks for insufficient funds.

Bill Pay

On line bill pay simplifies bill paying and saves time.  No more trips to the mailbox, checks to sign or stamps to buy.  Pay loans, utilities, credit cards, insurance and any other bills whether they are regular monthly bills or one time payments.  Here are the features:

  • Schedule monthly payments automatically
  • Examine and download payment history date
  • Payments are withdrawn from your checking account
  • Unlimited transactions
  • A toll free help line 1-877-600-3117 from 7:30 a.m. to 11:00 p.m for any questions or help regarding bill pay

Bill pay is free of charge if you have direct deposit of your net paycheck.  Otherwise it is a $5.00 monthly fee.

ATM VISA Check Card

Visa Check Cards allow you to withdraw funds from you checking account without ever having to write a check. You can use your Visa Check Card anywhere you see the VISA Logo. You can purchase groceries, gas or anything else and the money will come directly out of your checking account. No more writing checks and showing two forms of identification. Best of all, there is no charge for using the Visa Check Card or no annual fee.

Our Visa Check Card is also an ATM Card. It can be used worldwide. Money can be withdrawn from your checking account or your savings account.

There are no additional fees when you use your VISA Check Card to pay for purchases. Just press credit and sign for the transaction. If you need cash, we have access to a surcharge free network called Allpoint. Visit our home page and enter your zip code into the ATM locator for a list of surcharge free ATMs in your area. If you use an ATM outside the Allpoint network our ATM fee is $1.00 per transaction.

Your daily ATM limit for cash is $305.00 per day and your daily retail limit for VISA Check Card purchases is $905.00 per day. You will be able to access these funds up to the available balance in your account. If you are traveling or want to make a purchase for more than $905.00, please let us know and we can change your limits for a limited amount of time.

There may be times when the ATM network experiences down time. If you know you have sufficient money in your account and the transaction will not go through, it means the network is down. During these down times, you can withdraw $150.00 from an ATM machine and use your VISA Check card for retail purchase up to $440.00.

Traveling Outside the United States

If you will be travelling out of the country and plan to use your debit card, please call the office to let us know your dates of travel and the countries you will be visiting.  We will program your card accordingly.