Selecting a Checking Account
| 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. |
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| 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.1 |
Yes |
Yes |
| Free eStatements |
Yes |
Yes |
| ATM Transactions at Foreign ATMs without FedChoice Fee |
Yes |
Yes |
| Free Debit/Credit POS Purchases2 |
Yes |
Yes |
| Unlimited Account Access |
Yes |
Yes |
| Unlimited Check Writing |
Yes |
Yes |
| Free Loan by Phone Applications |
Yes |
Yes |
| VISA® Debit Card |
Yes |
Yes |
| Free Notary Service |
Yes |
Yes |
| Personal Line-of-Credit and Overdraft Protection3 |
Yes |
Yes |
| Dividend Earning |
No |
Yes |
| Minimum Balance Requirement |
No |
Yes-$500 Daily Minimum Balance Required |
| Direct Deposit Required |
No |
No |
1Regulation D limits apply.
2Members may use the cash back option where available as a free way to get cash.
3Members must apply separately for the Instant Access Line-of-Credit and Overdraft Protection.
All information subject to change without notice.