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Feature Community Checking Kasasa Cash Checking* Kasasa Cash Back Checking** Premium Checking
Free Bill Pay YES YES YES YES
No surcharge fees at over 30,000 CO-OP Network ATMS YES YES YES YES
Overdraft Protection**** YES YES YES YES
Federal Account Insurance***** YES YES YES YES
Cash Back on debit card purchases YES - 3% cash back up to $200 spent per cycle - if qualifications are met.
Free Checks YES - First 50 image checks, if you open your checking account online YES - First 50 image checks, if you open your checking account online YES - First 50 image checks, if you open your checking account online
Nationwide ATM refunds YES - if qualifications are met YES - if qualifications are met
Dividends paid based on balance YES - pays 2% APY on balances up to $10,000 if qualifications are met. YES
Qualifications NONE Have at least 15 debit card purchases post and settle
Be enrolled & receive eStatement notices
Have at least 1 ACH or BillPay post and settle
Have at least 15 debit card purchases post and settle
Be enrolled & receive eStatement notices
Have at least 1 ACH or BillPay post and settle
NONE
Monthly Fee - Monthly Balance $3 monthly fee if paper statements are elected $5 per month
$5 monthly fee is waived if average daily balance is at least $500 or aggregate balance (Loans and Savings) is at least $2,500 or over 55 years.

This credit union is federally insured by the National Credit Union Administration.

Important information about procedures for opening a new account:


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means to you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license and other identifying documentation.


*Kasasa Cash + APY = Annual Percentage Yield. APY’s accurate as of 01/01/2015. Rates may change after account is opened. Minimum to open is $25.00. If qualifications are met each monthly qualification cycle: (1) domestic ATM fees incurred during qualification cycle will be reimbursed up to $20.00 and credit to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.00%; and (3) balances over $10,000 earn 0.05% dividend rate on portion of balance over $10,000, resulting in 2.00%-0.23% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Accounts closed mid-cycle before dividends are posted will not receive accrued dividends. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Limit one account per SSN. Transfers between accounts do not count as qualifying transactions.


**Kasasa Cash Back Minimum to open is $25.00. First qualification cycle automatically qualifies for rewards. When monthly qualifications are met, you receive 3.00% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $6.00 per monthly qualification cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Domestic ATM fees, incurred during qualification cycle will be reimbursed up to $20.00 and credit to account on the last day of monthly statement cycle. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Limit one account per SSN. Transfers between accounts do not count as qualifying transactions.


**** Choose from Savings or Line of Credit (on approved credit) $100 increments/ $4 transaction fee may apply.


*****Accounts federally insured up to $250,000 (Individual Retirement Accounts to $250,000) by the National Credit Union Administration (NCUA), a federal government agency.

See Account Agreement and Truth-In-Savings Disclosure for complete disclosure information.