Checking/Debit Card

Checking

• No minimum balance required.
• Dividends paid on balances of $2,500 or more.
• No monthly service fees assessed.
• No per check fees.
• Federally insured deposits.
• Overdraft protection available for up to 6 overdrafts monthly in conjunction with EZ Call and Members 1st Online.
• You simply pay for your checks.

VISA Debit Card/Swipe 5^® Rebate

• Convenient debit card with VISA logo.
• Accepted where VISA debit cards are accepted.
• Funds deducted directly from your Members 1st checking account.
• Earn a 5 cent rebate each time you make a purchase using this card as "credit". Some restrictions apply. To earn the rebate, simply always select "credit" at the checkout and sign the sales slip.
• Swipe 5^® Rebate is posted to your checking account on the last day of the month.
• Overdraft protection now available for VISA Debit Card and ATM point of sale (POS) transactions.

Overdraft Protection

• Funds are automatically transferred from any of the following accounts that you indicate as an overdraft protection source:
• Regular Savings
• Investment Savings
• Supplemental Savings
• Personal Service Loan
• Home Equity Line of Credit
• You may have up to 6 overdraft transfers per calendar month made by electronic means. This includes automated phone services and Members 1st Online.
• Checks requiring overdraft transfers in excess of the six transfer limitation may be returned unpaid and a returned fee would be charged for that situation.
• When you have overdraft protection from a line of credit (Personal Service Loan, Key Loan or Key Advantage Loan), you have an unlimited number of electronic transfers up to your approved credit limit.

Membership and Account Agreement / Funds Availability Policy / Electronic Funds Transfer Agreement

Interactive Checking Account Coach

A coach for checking? You’re probably thinking, "Hey, I already know how to write a check." But there are things you might not know about your checking account, like how to protect your check from fraud, easy ways to keep track of what’s in your account, and how you can save time and money in checking. Use our interactive checking account coach to give you lessons and advice on how to use your checking account to its fullest.

Take a look at some of the valuable features the coach has to offer:

• A checking account options worksheet to help you identify your top checking needs and compare accounts
• A checkbook balancing calculator to make it easier to reconcile your checkbook register with your monthly statement
• An overview of how checking works (both paper and electronic)
• Interactive quizzes to reinforce your checking knowledge