Informational :  Online account access will be unavailable from 8pm, Monday, September 25 to 4am, Tuesday, September 26. We will be performing system upgrades during this time.

You do not have to choose an overdraft plan; you can have all three! Transfer from savings, line of credit, and credit card will be applied first, then Privilege Pay.

Savings Transfer - Available to all checking account members

  • Automatically set up when account is opened
  • Transfer fees from $0 to $5 based on club level

Credit Line and/or Credit Card Transfer - Subject to credit approval and based on creditworthiness

  • Overdraft transfers are in $100 increments
  • Transfer fees from $0 to $5 based on club level
  • Cash advance fee for credit card advances
  • Credit Lines offer a low interest rate with monthly payments that are 2% of the principal loan balance or $20, whichever is higher. Current rate is as low as 11.5% APR*
  • Credit Cards also offer a low interest rate with monthly payments that are 2% of the principal balance or $25, whichever is higher. Current rate is as low as 8.99% APR*

Privilege Pay

Available to checking account members that qualify ** and meet certain criteria; limit varies and consent is required. This only applies to checks, ACH, and teller transactions. To work toward ATM/POS, you must sign an opt-in application.

Qualification

  • Accounts must have an aggregate of $300 in deposits over a period of 35 days
  • Deposits by transfer do not count toward the aggregate in deposits
  • Can not be overdrawn for more than 20 consecutive days
  • Can not be delinquent on loans for more than 10 days at time of qualification**
  • Account owner must be 18 years of age or older

Limits

  • Personal checking accounts open 1 – 59 days have a $250 limit
  • Personal checking accounts open 60 days or more have a $750 limit
  • Premium checking accounts open 60 days or more have a $2500 limit
  • Business checking accounts have a $1,000 limit

Fees

  • Overdrafts from $0 to $.99 have no fee
  • Overdrafts from $1.00 and up have a fee of $30 per item

*Rates based on creditworthiness, so your rate may differ. **The Qualification process runs daily, which means you may qualify one day and not the next.