Checking Accounts

Tailored to fit member needs, our draft/checking accounts are not complicated by per check charges, transaction limits, and transaction fees.  We even issue Visa Check/Debit cards with these accounts without yearly fees. Choose the checking that’s right for you!

Check Re-Orders

Regular Checking

Regular Checking
Opening Deposit: $50.00 Minimum
Minimum Balance: $500.00 Average Daily Balance to avoid a service charge
Service Charge:  $5.00 per month if minimum balance not maintained
Dividends: None

View Rates View Fee Schedule

No Service Charge Checking

This account does not earn dividends. However, there is no monthly service fee or minimum balance requirement.

No Service Charge Checking
Opening Deposit: $50.00 Minimum
Minimum Balance: None
Service Charge: None
Dividends: None

View Rates View Fee Schedule

Classic Account

Members age 55 and above can enjoy the best of both regular and no service charge checking. The only charge for Classic Account Checks is the postage charge of $6.58 for check delivery.

Classic Account
Opening Deposit: $50.00 Minimum
Minimum Balance: None
Service Charge: None
Dividends: None

View Rates View Fee Schedule

Organizational/Club Accounts

We welcome the opportunity to serve the needs of organizations and clubs in our community.

Organizational/Club Accounts
Opening Deposit:  $50.00 Minimum
Minimum Balance: None
Service Charge: None
Dividends: None

View Rates View Fee Schedule

Business Checking

To suit the needs of our business members we offer two types of business accounts.

Regular Business Checking

There are no transaction limitations. This type of account does not earn dividends.

Business Checking
Opening Deposit: $100 Minimum
Minimum Balance: $2000 Daily Balance to avoid service charge
Service Charge: $20.00 monthly if minimum balance not maintained

Small Business Checking

A maximum of 25 items can be deposited each month. This type of account does not earn dividends.

Small Business Checking
Opening Deposit: $50 Minimum
Minimum Balance: None
Service Charge: $5 per month

View Fee Schedule

Overdraft Protection

To guard against costly fees and the loss of check acceptance, members can choose from several overdraft protection options.

Automatic Transfer

If there are insufficient funds in draft/checking, an automatic transfer is made from a designated share/savings account.  Automatic transfers are only done in $100 increments. However, there are transfer limitations.  No more than 6 automatic, Telephone, electronic or Internet transfers can be made in a month.

Overdraft Loan

Members can apply for a line of credit loan. If there are insufficient funds in the draft/checking account the loan is activated up to an approved credit limit. Interest is charged on the amount of credit used for the number of days the loan is outstanding. The interest rate for an unsecured overdraft line of credit is 16%. The minimum monthly payment of $25 is automatically transferred at the end of the month. The balance can be paid in full at any time. There is no yearly maintenance fee for this loan.

Courtesy Pay

Courtesy Pay is a form of overdraft protection that is activated when all other overdraft options have been exhausted. Courtesy Pay overdraws your account by the amount of the check plus the fee. The fee is $25 for each item or $50 per day. For example, if two items clear in one day the fee is $50 - $25 for each item. If three or more items clear in one day the fee is $50 – the daily maximum. Courtesy Pay does not apply to Debit or ATM card transactions.

  • Certain requirements must be met before an account is qualified for Courtesy Pay.
  • Courtesy Pay can be suspended at any time at the discretion of the credit union.