Regular Checking Account

FEATURES	BENEFITS
No required opening balance and no per check charge	Saves you money
Overdraft protection available *	Conveniently avoid overdrafts and save money
Monthly statements	Ease of balancing and record keeping
Deposits can be made through payroll deduction, ATM, mail or in person.	Offers you a choice and convenience
Account can be accessed by ATM or VISA Check Card	Offers flexibility and peace of mind
Unlimited check writing	Low costs and saves you money
Account accessible by Free Call 24 service.*	Convenient 24 hour account access
Check Re-order on line	You can reorder your checks here.

* Note: During any statement period, you may not make more than six (6) withdrawals or transactions to another credit union account of yours or to a third party by means of a pre-authorized, automatic or electronic transfer, or telephone order or instructions.

Check Smart

FEATURES	BENEFITS
No required opening balance and no per check charge	Saves you money
Overdraft protection available *	Conveniently avoid overdrafts and save money
Monthly E-statements	E-statements offer greater security and quicker access to account information
Deposits can be made through payroll deduction, ATM, mail or in person.	Offers you a choice and convenience
FREE Internet Banking	Safe and secure - 24/7 access to your account information.
FREE Bill Pay **	Pay your bills online, anytime!
Unlimited check writing	Low costs and saves you money
Account can be accessed by ATM or VISA Check Card	Offers flexibility and peace of mind
Check Re-order on line	You can reorder your checks here.
Account accessible by Free Call 24 service.*	Convenient 24 hour account access

* Note: During any statement period, you may not make more than six (6) withdrawals or transactions to another credit union account of yours or to a third party by means of a pre-authorized, automatic or electronic transfer, or telephone order or instructions.

** Note: Non-usage fee of $10.00 per month will be assessed if Bill Pay is inactive for the calendar month.