Checking & Savings

Checking

   We've got your style!

As a credit union member you have many checking account choices to match your unique lifestyle. Whether you're opening your first checking account or desire to transfer your existing account, we have the perfect account to fit your needs.

The type of account you qualify for is based, in part, on information we receive from ChexSystems and your credit report. For a quick comparison of our Lifestyle checking account products see our Checking Account Comparison Chart below.

With all your accounts, you have virtually 24-hour access to all your account history and balance information through MARS, our telephone audio response system, and PCBranch online banking.

In addition to the benefits listed in the Checking Account Comparison Chart below, you will also enjoy all these FREE services with your checking account:

  • online access 24/7 (PC Branch)
  • phone access 24/7 (MARS)
  • Over 20,000 no-fee ATM's via CO-OP Network
  • e-statements
  • monthly E-Direct news featuring security alerts and new products and services

Lifestyle Checking
Designed for the member who values an interest-bearing account and easy access.

E-Access Checking
Designed for the member who desires the convenience of electronic access - anywhere, anytime.

Lifestyle Plus Checking
Designed for our members age 55 and better who want it all!

Freestyle Checking
Designed to meet the needs of our young members - Ages 16-19

Checking Account Comparison Chart

Account Name Monthly Service Fee Min. Opening Balance Balance required to earn interest Bill Pay VISA debit card CO-OP Network ATMs Shared Branch Transactions Teller Access Fees
Lifestyle Free with Direct Deposit or $500 average monthly balance, otherwise, $5.  $25.00 $2,000 monthly average balance Free FREE FREE 5 free/month, $1 each thereafter None
E-Access Free with Direct Deposit, otherwise $5.  $25.00 N/A Free FREE FREE $ 5 per transaction $2.50 per transaction if it could have been performed electronically.
Lifestyle Plus*
(Age 55 and better)
FREE $25.00 $2,000 monthly average balance FREE FREE FREE 5 free/month, $1 each thereafter None
Freestyle**
(Ages 16-19)
FREE $25.00 N/A N/A FREE FREE 5 free/month, $1 each thereafter None

* One box of USACU Image Checks per year

** Account holder under age 18 requires a guardian signature on the account