Some restrictions apply. With approved credit.

ATM transactions may be subject to surcharge fees charged by the individual ATM owner.

* $25 minimum average balance to receive dividends.

** In paying transactions through Courtesy Pay, your checking account may go negative by up to a maximum of $500 ($200 for Fresh Start Checking), including any and all fees and charges. Member in good standing, 18 years old and older, 60-day waiting period on new checking accounts. A $24 fee will be imposed on each transaction submitted and paid that exceeds your available account balance. Negative balance must be repaid within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing. We will not pay overdrafts for ATM and everyday debit card transactions unless you have affirmatively consented to this service. However, if an ATM or debit card transaction is authorized against available funds, the transaction will post to the corresponding account even if funds are no longer available at the time of posting. Please refer to the Membership and Account Agreement and the Courtesy Pay and Overdraft Agreement.