Untitled Document

Savings and Investments

Your savings account maintained at a minimum of $25.00.
This represents your partial ownership of the credit union.
Your savings account can work for you in the form of a low interest loan.

Voice response system that enables you as a member to access your accounts at credit union 24 hours a day, 7 days a week.

Share Draft Policy

1.	Share drafts accounts shall be opened to any member in good standing.
2.	There is no monthly service charge on these accounts.
3.	Member is responsible for purchasing checks and their use.
4.	Member must notify the credit union if checks are lost or stolen.
5.	Fees for use of share draft accounts are as follows: Insufficient funds charge of $15.00 per check. Overdraft protection charge $2.00. Stop payment charge of $15.00 per check or series of checks. For addiional print out of share draft transactions $5.00 per request. If member requests balancing of share draft account there will be a $15.00 per hour charge. There is a $2.00 charge for copies of checks.

ATM Card

ATM Card Policy

1. Cards are available to all members in good standing.

2. There is no fee for the first card or pin numbers. There is a $5.00 charge per item if a new card or pin must be ordered.

3. Member is responsible for the card and its use.

4. Member is responsible for the first $50.00 withdrawn on a lost or stolen card if the card loss is reported within 24 hours.

5. Fees for use of the card are as follows:

Transaction	Fee
Withdrawals, savings, and checking	$1.00
Transfers	$1.00
Balance inquiries	$1.00 per item
Point of sale	$0.50 per item or time
Denials	$1.00

6. Use Limitations on ATM Card.

Note:
Members are also responsible for any surcharge charged at the ATM that is being accessed at the time of the transaction.