SFCU Checking Accounts

Regular Checking

Our Checking Account is the best deal in town! NO monthly service charge. NO minimum balance requirement. NO transaction fee. Automatic overdraft protection from your savings account. Write as many checks as you want with no fee. You'll receive monthly statements. For your convenience, we offer both an ATM Card and the VISA® Check Card. And you can use Call-24, our touch-tone teller, 24 hours a day, 7 days a week for up-to-the-minute information on your account. You can open your checking right away by completing our Checking Account Application and mailing it to the office closest to you.

Gold Crown Checking

Receive all the benefits of our Regular Checking PLUS these outstanding Gold Crown Extras:

Free Personalized Checks (2 boxes per year)
Security Benefits: $10,000 Accidental Death & Dismemberment Insurance, $35,000 Common Carrier Insurance and Credit Card Protection Service.
Travel Benefits: Car Rental Discounts, Travel & Entertainment Discounts, and Travel Rewards Program
Identity Theft Insurance: Income Protection and Expense Reimbursement
Shopping Benefits: Grocery Coupon Savings

All this and more for only a $5.75 monthly membership fee. Open yours today by completing our Checking Account Application and mailing it to the office closest to you.

Fresh Start Checking

Have you made mistakes in the past with your checking account? Summit FCU wants to help you start over with our Fresh Start Checking program. This is for anyone who has been turned down for a checking account before and/or has a record with ChexSystems or TeleCheck. You must first go through the CheckRight Education Module (online) and pass the quiz at the end. The account will not be opened if either fraud or kiting is reported by ChexSystems, or if any loss has been recognized by Summit FCU. There is a $10 per month service charge, no overdrafts allowed, and most deposits require an extended hold. An optional ATM card will be available after the account has been opened for three (3) months with Direct Deposit or net pay to the account, or after six (6) months if no Direct Deposit is established. An active account showing no problems after 12 months can be evaluated for conversion to a regular checking account.

Silver Money Market Checking

Our Money Market Checking account is a low-volume account, requiring a minimum balance of $2,000. It earns Daily Dividends, which are paid and compounded monthly. The minimum withdrawal or check is $250, with a maximum of three (3) withdrawals/checks per month.

	Your needs...	Required Minimum Balance	Monthly Service Fee	Online Access, Online Check Images, Online Statements,direct Deposit, 24/7 Phone Access	Free Visa Check Card or ATM Card Available	Additional Information
Regular & Second Checking	Looking for a simple free checking account	None	Free	Free	Yes	Unlimited Transactions
Gold Crown Checking	You want to get a little more for your money	None	$5.75	Free	Yes	Two Free Boxes of Checks/Year Annual coupon book, discounted travel & much more!
Fresh Start Checking	You've had troble with a previous checking and can't open one now	None	$10.00	Free	ATM Card Only	Must complete and pass online "CheckRight" Class before opening
Silver Money Market Checking	You want to keep larger balances in a liquid account with limited transactions	$2,000	Free	Free	No	Earns Monthly Dividend on Balances over $2,000 Maximum of 3 withdrawals/month Minimum withdrawal of $250

	Identity Theft is a serious crime - Learn how to protect yourself
	We have included several links that you can use to learn how to prevent, detect and defend against ID theft. Learn the steps that you can take, and what to do in the event that you become a victim of the crime.

Equal Housing Lender - We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act

Excess Share Insurance - Private insurance for member savings in excess of $250,000 to $500,000

Federally insured by NCUA

NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules.

The term “noninterest-bearing transaction account” includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal (“NOW”) account, money-market deposit account, and Interest on Lawyers Trust Account (“IOLTA”), even if share drafts may be drawn on the account. For more information about temporary NCUA insurance coverage of transaction accounts, visit www.ncua.gov.