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50 FREE checks with each new
account.
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Unlimited check writing – write
all the checks you want each month, with no fee.
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Visa Check Card – use it at ATMs
or at millions of locations where you see the Visa logo. You can
pay for purchases with your Visa Check Card and the funds are
electronically deducted from your checking account. Through the
Alliance One and Credit Union 24 networks, you may use the card
at more than 50,000 SURCHARGE-FREE ATMs across the United
States. (M3 Visa Check Card is available to members ages 13-17.)
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Overdraft Protection –
automatically transfers funds from your Share Savings or Money
Market Investment Account to your Checking Account to cover any
overdraft.
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Overdraft Advancesm
– provides a “cushion” up to a $500 limit in case your account
is overdrawn and there are insufficient funds available from
your other accounts. Eliminates the embarrassment of having a
share draft/check returned and the extra expense from merchant
fees in case your account is overdrawn.
(Please contact the credit union for eligibility requirements.) |
M3 Checking
For members ages 13-17. The account has no monthly service charge
and no minimum balance requirement. A parent’s or legal guardian’s
acknowledgement is required and the teen must pass a quiz to be
eligible for the account.
Click on the button
below for more information.
Young Adult Checking
For members ages 18-25. There is no monthly service charge and no
minimum balance requirement.
A+ Checking
Deposit at least $100 each payday into your Checking Account through
Payroll Deduction or Direct Deposit OR maintain a balance of $1,000
in one of your Share Savings Accounts (Share Certificate, MMIA or
IRA) and you’ll avoid a monthly service charge. Enjoy selected check
designs at a reduced cost, too. If you can’t meet the aforementioned
requirements, you will be assessed a minimum monthly service fee and
you will not be eligible for the check discount.
Prime Advantage Checking
For members age 55 and older. This account features no monthly
service charge, no minimum balance requirement and special credit
union checks at no charge.
Deposit Insurance
The National Credit Union Administration (NCUA) is the federal
agency that insures savings at most credit unions across the
country. Just as banks are insured through the Federal Deposit
Insurance Corporation (FDIC), credit unions are insured through the
National Credit Union Share Insurance Fund (NCUSIF), which is backed
by the United States government.
Passage of the Emergency Economic
Stabilization Act of 2008 increased NCUA coverage from $100,000 to
$250,000. The increase is in effect until December 31, 2013. Funds
may be insured for even more than $250,000, depending on how you
establish your accounts.
At SELCCU, we go one step further
in protecting your hard-earned dollars. We provide up to an
additional $250,000 of savings protection to each qualified account
through Excess Share Insurance (ESI), a subsidiary of American Share
Insurance (ASI), the nation's largest private deposit insurer of
credit unions. You’ve worked hard to save money. You can count on
SELCCU to take good care of it.
