*These benefits require member to register and activate or request benefit.

** Credit file monitoring from Experian and TransUnion will take several days to begin following activation.

*** Overdraft Privilege (ODP) is a discretionary service which a member may opt-out of any time by notifying a Member Service Representative. For each overdraft we pay, we will charge the standard per item overdraft fee set forth in our fee schedule (currently $30.00). There is no limit to the number of per item Overdraft/NSF Fees that can be charged on on an individual item or to the frequency with which per item Overdraft/NSF fees can be charged. ODP applies to a variety of transactions, including checks and other transactions made using your checking account number, automatic bill payments, ATM transactions and everyday debit card transactions; however, on consumer accounts we will not include ATM and everyday debit card transactions within our ODP Program without first receiving your affirmative consent to do so. Furthermore on consumer accounts absent your affirmative consent, ATM and everyday debit card transactions generally will not be paid under ODP. The amounts of any overdrafts, including our fees, are due and payable immediately or on demand. We can refuse to pay any overdraft for any reason.

1Special Insurance Program Notes: the descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the insurance document. Insurance product is not a deposit; not NCUA insured; not an obligation of the credit union; and not guaranteed by credit union or any affiliated entity.

2IDProtect is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. The service is not available to a “signer” on the account who is not an account owner, or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as a domestic partner, and children under 25 years of age and parent(s) who are residents of the same household

Value Checking Account: *** $4.95 monthly service charge will be WAIVED if member meets all relationships for the month – estatements; Direct Deposit; aggregate $10,000+ Loan balance; 12 minimum Debit Card swipes

BASIC Checking Account: **$2.00 monthly statement fee may be waived if enrolled in e-statements or member is 60 yrs or older.