PREMIUM SHAREDRAFT CHECKING
- $300 Minimum Balance
- 0.10% APY* Dividend Rate
- Free Checks for Members 55 and Over
- Free Home Banking
- Bill Pay
- MasterCard Debit Card
- Joy - An Interactive Voice Response System
- Overdraft Privilege**
- Courtesy Pay**
- $8.00 service charge if at any time during the statement cycle the balance falls below $300. Service charge will be applied on the last day of the statement cycle.
*APY= Annual Percentage Yield. Federally insured by the NCUA
**Overdraft Privilege is a link to the savings account to cover sharedraft transactions for a fee of $8.00 per transfer. There are only three automatic overdraft transfers allowed per month.
***Courtesy Pay is a standard overdraft practice that is offered to all member share draft accounts in good standing, if authorized by the member. With courtesy pay, your check, ATM withdrawal, Debit Card purchase or other electronic debit items may be covered by the credit union up to the limit of $200.00. You will be charged the standard NSF fee of $30.00 per item. When an overdraft occurs on your account, you will be expected to deposit adequate funds to bring your account to to a positive balance within 30 days. Fees could reduce the earnings on account. Some exceptions may apply.