Friday, November 21, 2014  












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Free Student Checking Account

Features include:

    • Designed for younger members and students age 16 - 24
    • No Monthly Service Charge
    • No per check fees
    • 1st box of CFCU branded checks FREE
    • FREE CU OnLine & Starline services
    • FREE CU OnLine Bill Pay
    • 5 FREE counter withdrawals per month; $1 thereafter
    • 1 FREE ATM/Check Card
    • Unlimited FREE transactions at all CFCU or ATM Zone ATMs
    • 5 FREE foreign transactions per month
    • FREE eStatements; paper statements $1 per month

To open a Free Student account, a member must have at least $5 in a regular share account. A minimum deposit of $25 is required, but there is no ensuing minimum balance. A parent or guardian must be a joint owner if the account holder is under age 18.

+Plus Checking Account

Features include:

    • No minimum balance
    • Unlimited check writing
    • Low $4 monthly service charge; waived with $500 per month direct deposit or if $750 is maintained on deposit in a CFCU Savings, Share Certificate or Share Draft/Checking account
    • 1st box of CFCU branced checks FREE
    • FREE CU OnLine & Starline services
    • FREE CU OnLine Bill Pay
    • Unlimited FREE counter withdrawals
    • 2 FREE ATM/Check Cards
    • Unlimited FREE transactions at all CFCU or ATM Zone ATMs
    • 5 FREE foreign transactions per month
    • FREE eStatements
    • Dividends compounded and paid monthly on the daily balance when it exceeds $750
    • Honor Pay Overdraft Protection available with $500 per month direct deposit*

To open a +Plus account, a member must have at least $5 in a regular share account. A minimum deposit of $25 is required, but there is no ensuing minimum balance.

Premier Checking Account

Features include:

    • Rewards members based on their credit union relationship
    • No minimum balance
    • Unlimited check writing
    • Low $7 monthly service charge; waived with $1,500 per month direct deposit or if member has $15,000 in combined loan balances or if $5,000 is maintained in a  CFCU Savings, Share Certificate or Share Draft/Checking account
    • FREE CFCU branded checks (up to 3 boxes per year)
    • FREE CU OnLine & Starline services
    • FREE CU OnLine Bill Pay
    • Unlimited FREE counter withdrawals
    • 2 FREE ATM/Check Cards
    • Unlimited FREE transactions at all CFCU or ATM Zone ATMs
    • 10 FREE foreign transactions per month
    • FREE eStatements
    • 1 year FREE safe deposit box rental (3x5 size; credit given for larger boxes) limited to location and availability
    • Dividends compounded and paid monthly on the daily balance when it exceeds $750
    • Honor Pay Overdraft Protection available with $500 per month direct deposit*

To open a Premier account, a member must have at least $5 in a regular share account. A minimum deposit of $25 is required, but there is no ensuing minimum balance.

Platinum Checking Account

Features include:

    • Designed for those who maintain a higher checking balance and want the most from their credit union relationship
    • No minimum balance
    • Unlimited check writing
    • $10 monthly service charge; waived if $1,000 is maintained in the account at all times or if primary member is over age 60
    • FREE CFCU branded checks (up to 4 boxes per year)
    • FREE CU OnLine & Starline services
    • FREE CU OnLine Bill Pay
    • Unlimited FREE counter withdrawals
    • 2 FREE ATM/Check Cards
    • Unlimited FREE transactions at all CFCU or ATM Zone ATMs
    • 10 FREE foreign transactions per month
    • FREE eStatements
    • 5 FREE Cashier's Checks per month
    • 1 year FREE safe deposit box rental and 25% discount on yearly box rental (3x5 size; credit given for larger boxes) limited to location and availability
    • A Bonus Rate on certificates and loans
    • No origination fees on first mortgages
    • Dividends compounded and paid monthly on the daily balance when it exceeds $750
    • Honor Pay Overdraft Protection available with $500 per month direct deposit*

To open a Platinum account, a member must have at least $5 in a regular share account. A minimum deposit of $1,000 is required, but there is no ensuing minimum balance. However, if a balance of $1,000 is not maintained in the account or the primary member is not over age 60, the standard monthly service charge of $10 will apply.

Electronic Transfer Account

Features include:

    • Designed for those who prefer to conduct business electronically or to help those who may not qualify for a traditional checking package
    • Low $4 monthly service charge
    • Requires Direct Deposit
    • FREE CU OnLine Starline services
    • FREE CU OnLine Bill Pay
    • No checks issued with this account
    • Counter withdrawals are $1 each
    • 5 FREE foreign transactions per month
    • 1 FREE VISA ATM/Check Card
    • Unlimited FREE transactions at all CFCU or ATM Zone ATMs
    • Dividends are not paid on this account
    • FREE eStatements; paper statements $1 per month

To open an Electronic Transfer Account, a member must have at least $5 in a regular share account. A minimum deposit of $25 is required, but there is no ensuing minimum balance. Check holds of at least two business days will be placed on all check deposits other than payroll check.

Pay Me Checking Account

Features include:

    • Pays you $0.10 per check card transaction when qualifications are met each cycle*
    • Up to $25 in ATM fee refunds when qualifications are met each cycle*
    • Unlimited check writing
    • No monthly service charges
    • 1st box of CFCU branded checks FREE
    • FREE CU OnLine & Starline services
    • FREE CU OnLine Bill Pay
    • FREE CU Deposit Remote Check Deposit
    • Unlimited FREE counter withdrawals
    • 2 FREE ATM/Check Cards
    • Unlimited FREE transactions at all CFCU or ATM Zone ATMs
    • No CFCU charges for use of non-CFCU ATMs
    • FREE eStatements
    • Honor Pay Overdraft Protection available with $500 per month direct deposit*

Requirements:

    • Active direct deposit of at least $500 posted to account each month
    • Enroll in and receive eStatements

 

*Direct deposit and eStatement qualifications must be met each month in order to receive the reward for check card use and ATM fee refunds. In accordance with US tax law, the credit union may be required to send to you and file a form 1099-MISC for rewards paid in a calendar year. You are solely responsible for reporting any resulting personal tax liability. Please consult your tax advisor. Rewards and refunds will be paid on the first business day of the month following the month in which they were earned.

 

*Honor Pay Overdraft Protection

    • Saves returned check fees from merchants
    • All other means of overdraft protection will be attempted prior to use of Honor Pay
    • When an overdraft occurs, your account will be taken negative by the dollar amount of the overdraft, plus the service charge
    • Allows you to overdraw your account a maximum of $500 at any one time
    • A service charge of $25 will be assessed for each overdraft item. There are no additional fees or monthly service charges for Honor Pay
    • You must have direct deposit of at least $500 per month for two consecutive months and the account must be in good standing to qualify for Honor Pay
    • The account must be open a minimum of two months to qualify for Honor Pay

Additional Features on All Checking Accounts

    • Free CU OnLine & Starline Services
    • Free CU OnLine Bill Pay
    • Free Mobile Banking (mobile.comfedcu.org)
    • Free CU OnLine Account Alerts
    • "Alert Me" Fraud Protection for $4.25 per month

*Not Available on Electronic Transfer or Free Student Accounts

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