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Checking Accounts

Free Checking

• No minimum balance requirements
• No per check transaction fees
• No monthly maintenance fees

A checking account is an important money management tool.  Learn the basics of managing a checking account with a web-based checking account management education module called CheckRight available to you for FREE as a partner with Accel. 

Interest Checking

• Minimum balance required is $2,500
• Interest paid based on balance:
  1. Balances less than $2,500
  2. Balances at $2,500 or more
  3. Balances at $15,000 or more
• There is a monthly fee if the account falls below the minimum average balance
• Holders of an Interest Checking account are also eligible for a ¼% bonus on all regularly-priced Certificates of Deposit

make sure to apply For:

Free Online Banking and Bill Pay

Overdraft protection is also available as a transfer from savings or from a pre-approved line-of-credit loan.
 

VISA® Check Card (Debit)

Convenient access to more than 28,000 surcharge-free ATMs nationwide through the CO-OP Network. 

Use your VISA Check Card to make transactions on your checking account anywhere VISA is accepted. Save money on check printing, eliminate waiting for check approvals, receive immediate credit for returns and avoid carrying a lot of cash.

For ATM service, you'll just have to carry one card because our VISA Check Card is also your ATM card.  You'll receive a receipt each time you use your VISA Check Card, and the transaction is listed in detail on your monthly statement.

Click here: Visa Check (Debit) Card application

Is Debit Card Overdraft Coverage right for you?

Your Debit Card Overdraft Coverage will no longer be provided to you automatically due to Federal Regulations, this was effective on August 15, 2010. 

Q. Are there fees?

• We will charge you a standard fee of up to $28 each time we pay an overdraft.  There is not cost if you don't use it!
• There is no limit on the total fees we can chage you for overdrawing your account.

Q. Can I change my mind?

• Yes, you can change your mind at any time, just give us a call or let us know the next time you come into the Credit Union.

If you would like to change your Debit Card Overdraft Coverage options, please call us at 1.800.287.0046.

Funds from any deposit (cash or check) made at an ATM will automatically be held for two business days.  You will receive a written notice if an extended hold is placed on your deposit for any reason.  Your daily withdrawal limit is no more than $300 in cash per day at an ATM.  Point-of-Sale transactions using your ATM or VISA® Check Card may not exceed $1,000 per day.