Money Management - Checking

Elite Checking

Ultimate Checking

Money Market Checking

Credit Union checking is the economical replacement for expensive bank checking accounts. It's estimated that the average consumer spends almost $120 a year on bank checking account fees. Why not switch to Credit Union checking and keep the $120 for yourself? Choose between an Elite Checking or Ultimate Checking accounts.

Elite Checking Features:

• Free Checking with…
• No minimum balance required
• Unlimited live teller transactions
• Unlimited check writing (no per-check charges)

To open an Elite Checking Account, Contact Us.

Ultimate Checking Features:

• Unlimited live teller transactions
• Unlimited check writing
• No, or low monthly fees based on your overall savings under one account number at the Credit Union
• Interest paid on daily balances over $10,000
• Overdraft protection at a low interest rate upon approval

To open an Ultimate Checking account, Contact Us .

All Feature:

• VISA Debit Card upon approval. Recognized worldwide.
• Free unlimited use of the Credit Union's and CO-OP's ATMs. Use Plus ATMs worldwide, too, at a slight charge!
• Free use of 24 hour on-line services including Telephone Teller and Web Teller.

For Even Higher Earnings, Use Money Market Checking:

Higher yield daily dividends on accounts over $500. Some restrictions apply.

Once you have your Credit Union checking account, use Payroll Deduction or Direct Deposit to have money added to your account, automatically. Have part, or all of your paycheck or social security check deposited directly into your Credit Union checking account each pay period. Then, go grocery shopping, pay bills or get cash at courtesy check cashing counters simply by writing a check.

You can also access your Credit Union checking account balance through the Credit Union's and affiliated CO-OP's ATMs at no charge. Use worldwide ATMs too! (A small charge may apply.) Almost anywhere, your Credit Union checking account funds are right at your fingertips.

Credit Union Checking Has Some Other Features You're Going to Appreciate:

OverDraft Protection. Overdraw your checking account balance up to your pre-approved line-of-credit limit. It's like writing an instant loan simply by writing a check.

Carbonless Copy Checks. Each check automatically makes a copy of itself. No more missing entries in your check register. You’ll always have a copy of every check showing the amount, the date and the recipient.

Electronic Storage. Each check that clears is electronically stored for 7 years. When your checks are returned to you at home, you have to do all the filing yourself and canceled checks could be lost or destroyed. When the Credit Union has the filing and storage done for you, important canceled items are protected. If you ever have to produce a five year old canceled check for the IRS, you're really going to appreciate the Credit Union's system!

Itemized Monthly Statements. Your Credit Union checking account is easier to reconcile. Simply compare your monthly statements with your carbonless copies.

Credit Union checking really is a better deal for you and your money. And, the sooner you switch, the sooner you'll start to save. Why not make the switch this week?

For more information and to open a Credit Union checking account, Contact Us through the web, email: info@usuccu.org, or call us 753-4080 (800-248-6361).