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Comparison Chart

Compare and Discover

Effective April 1, 2014

Account Features/Services

Free Checking
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Premier Checking
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Primary Checking
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OPEN AN ACCOUNT

OPEN AN ACCOUNT

OPEN AN ACCOUNT

Prospective Dividends and Annual Percentage Yield Rates (APY)

0.05% / 0.05%

0.05% / 0.05%

N/A

Minimum Balance*

None

None

None

No-Fee Visa® Debit Card

Included

Included

Included

Monthly Fee

None

$6.50

$10

FREE Online Bill Pay

Included

Included

N/A

Direct Deposit

Yes

Yes

Yes

No Per-check Fees

Yes

Yes

Yes

Unlimited Check Writing

Yes

Yes

Yes

FREE Online Banking

Yes

Yes

Yes

Mobile Banking

Yes

Yes

Yes

Text Banking

Yes

Yes

Yes

Overdraft Privilege

$600 limit

$750 limit

N/A

Overdrawn Protection

Yes

Yes

Line of credit available after 6 months of the account in good standing

Unlimited Use of Hughes ATMs

Yes

Yes

Yes

FREE Non-Proprietary ATM Withdrawals (Bank surcharges may apply.)**

8 Free**

Unlimited

8 Free**

FREE Checks

First 25 Free

$12 discount per year on checks ordered

First 25 Free

Visa® Merchant Offers

Yes

Yes

No

FREE Financial Planning

Yes Yes Yes

FREE Credit Score Enhancement

Yes

Yes

Yes

-FREE Official Checks
-FREE Traveler's Checks

No

Yes

No

Checking Account dividends compounded daily and credited monthly except where notated.

*This is the minimum balance required to open an account and the minimum balance to earn the posted Annual Percentage Yield (APY). The Dividend Rates and Annual Percentage Yield (APY) are variable rates. Dividends are based on the Credit Union's earnings at the end of a dividend period and cannot be declared in advance. Rates and terms are subject to change at any time. Please contact the Credit Union for further information.

**Free Checking receives eight (8) free withdrawals from use of non-proprietary ATMs. Premier Checking receives unlimited use of non-proprietary ATMs. Includes Benefits Plus®. Primary Checking receives eight (8) free withdrawals from non-proprietary ATMs. Primary Checking account qualifies for an ATM card only. Bank surcharges may apply.

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