Selecting a Checking Account

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Account Name	Free Checking	Premium Checking
It’s Right For You If:	You want a simple, no hassle checking account.	You carry a higher balance and want to earn dividends.
Account Highlights	No minimum balance required. No hidden fees.	Competitive dividends and low minimum balance requirements. No per check fee.
Automatic transfer from Savings to cover overdrafts.	Yes	Yes
Free eStatements	Yes	Yes
ATM Transactions at Foreign ATMs without FedChoice Fee	Yes	Yes
Free Debit/Credit POS Purchases¹	Yes	Yes
Unlimited Account Access	Yes	Yes
Unlimited Check Writing	Yes	Yes
VISA^® Debit Card	Yes	Yes
Free Notary Service	Yes	Yes
Personal Line-of-Credit and Overdraft Protection²	Yes	Yes
Dividend Earning	No	Yes
Minimum Balance Requirement	No	Yes-$500 Daily Minimum Balance Required
Direct Deposit Required	No	No

¹Members may use the cash back option where available as a free way to get cash.

²Members must apply separately for the Instant Access Line-of-Credit and Overdraft Protection.

All information subject to change without notice.

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