We offer a range of Checking Accounts to handle all your transaction needs – big, small, and everything in between. Choose from Basic, Better-Than-Free, High-Rate, and Interest Checking. And, as a Member, you and your family are entitled to free services, benefits and exclusive privileges of our Rewards Program

Features	Basic Checking1	Better Than Free Checking2	Interest Checking1	High Rate Checking3
FREE Online Banking and Bill Pay *	•	•	•	•
FREE Telephone Banking	•	•	•	•
FREE Debit MasterCard® with SecureCode	•	•	•	•
Free Checks **	•	•	•	•
Free VIP Rewards Program	•	•	•	•
No Monthly Service Charge ***	•	•	•	•
No Per-Check Fees	•	•	•	•
Unlimited Check Writing	•	•	•	•
Unlimited ATM	•	•	•	•
Deposits Federally Insured	•	•	•	•
PAL Credit Available	•		•	•
Overdraft Protection Available	•	•	•	•
No Opening Deposit		•
Monthly Dividends ±			•	•
* If Online Bill Payment is not used at least once in a 90-day period, a $4.95 per month fee applies. ** First order of checks free on Better Than Free checking. Basic and Interest checking accounts receive free checks with Net Check direct deposit. High Rate Checking receives free box of checks twice a year. *** Basic Checking: with average balance of $750 or a combined household savings and loans of $5,000 or with Direct Deposit Better Than Free Checking: requires Direct Deposit, no monthly service fee. Interest Checking: with average daily balance of $1,400 or a combined household savings and loans of $5,000 or Direct Deposit High Rate Checking: when $25,000 balance is maintained ± Dividends paid on average daily balance of $100 for Interest Checking and $25,000 or more for High Rate Checking.
Requirements: 1 $100 initial opening deposit 2 Payroll deduction or Direct Deposit required 3 $25,000 initial opening deposit