Checking

Feature	Free Checking	Value Checking	Premium Checking	Checking PLUS
FREE BillPay	YES - anytimeBillPay is FREE with all checking accounts
anytimeBanking	YES - FREE 24/7 computer access to your accounts
eStatements	YES - FREE eStatements with check images. Receive your eStatement on the first business day of the month
ATM/VISA Debit Card	YES - Pay no surcharge fees at over 25,000 CO-OP Network ATMs including over 5,500 7-Eleven locations throughout the U.S. and Canada. For the nearest CO-OP ATM, call 888-SITE-COOP or visit www.co-opnetwork.org.
Free Check Imaging	YES - FREE images of cleared checks through eStatements or anytimeBanking.
Overdraft Protection	YES - Choose from Savings or Line of Credit (on approved credit) $100 increments/$2 transaction fee may apply.
Federal Account Insurance	YES - Accounts federally insured up to $100,000 (Individual Retirement Accounts to $250,000) by the National Credit Union Administration (NCUA), a federal government agency.
Free Checks	NO	YES - one box of image checks	NO	YES - one box of image checks
Dividends paid based on balance	NO	NO	YES	YES
Savers Club Book	NO	YES	NO	YES
Car Rental Discounts From Avis, Alamo, Hertz, and National	NO	YES	NO	YES
Luggage Protection	NO	YES	NO	YES
Hotel Savings Network Discounts at Popular Lodging Chains	NO	YES	NO	YES
Grocery Coupons	NO	YES	NO	YES
Payment Card Protection	NO	YES	NO	YES
Purchase Protection and Extended Warranty	NO	YES	NO	YES
Identity Theft Insurance	NO	YES	NO	YES
Remedy Check Protection	NO	YES	NO	YES
Member Benefits Online	NO	YES	NO	YES
ID Network Safety Service	NO	YES	NO	YES
Online Local Savings	NO	YES	NO	YES
Monthly Fee - Monthly Balance	NO	$5 per month. No minimum balance required	$5 per month $5 fee waived with $500 minimum or $2,500 aggregate balance or 55 years or older.	$10 per month $5 fee waived with $500 minimum or $2,500 aggregate balance or 55 years or older

Important information about procedures for opening a new account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens and account.

What this means to you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license and other identifying documentation.