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1 – Via Co-Op Network. Visit Co-opfs.org for a complete list of surcharge-free ATMs and shared branch locations.

2 – Message and data rates may apply.

3 – APY = Annual Percentage Yield. APY assumes original balance and earnings remain on deposit and rate holds constant for 365 days. Rate quoted effective as of September 2, 2025 and applies on the first $14,999.99; thereafter an APY of 0.25% will be applied on every $0.01 above $14,999.99.

4 – Elite Checking has no monthly service fee when you do at least one of the following options per calendar month:

1. – Make 12 Visa^® debit card transactions AND have electronic deposits made into this account totaling $2,000 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNowSM network. OR;
2. – Maintain a combined total of $50,000 or more of personal loan and/or deposit balances. Otherwise, the applicable monthly service fee of $9.95 will apply starting on the month-end billing cycle after the 45th day after account opening. Fees may reduce earnings.

5 – Basic and Youth Checking accounts do not have regular monthly maintenance fees related to account usage; however, enrollment in paper statements is required to waive the applicable paper statement fee.

6 – Enrollment and eligibility requirements apply. 

Overdraft Privilege — Checks and ACH Recurring Payments (Bill Payment)
This option comes with your account. ACCU is under no obligation to pay a check or ACH transaction which exceeds the available balance in an account. However, we generally let your checks and online ACH/BILL payments go through for payment. We will overdraw your account up to your pre-approved limit. We will charge a fee of $25.00 per overdraft. If an item is presented for payment multiple times, we will charge a fee each time the item is presented. The maximum number of overdrafts fees that we will charge per day is four (4). The maximum amount of fees we will assess per day is $100.*

Overdraft Privilege PLUS — ATM Withdrawals and One-Time Debit Card Transactions
When you opt in to Overdraft Privilege PLUS, we may also authorize ATM withdrawals and one-time debit card transactions that overdraw your account. If we do, we will charge an overdraft fee of $25.00 for each overdraft we authorize. The maximum number of Overdraft Privilege PLUS overdrafts processed per day is four (4). The maximum amount of fees we will assess per day is $100. The total number of fees we will assess per day is for both plans combined. Ask an ACCU representative for additional details.

7 – One complimentary box of checks per year.

8 – Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.

9- Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the certificate of insurance. Guide to Benefit and insurance document will be included in follow-up letter.

Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.