| Classic Share Draft Checking | Smart Start Share Draft Checking | Rewards Share Draft Checking | 60 Plus Share Draft Checking | Second Chance Share Draft Checking |
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| Right for you if you want to… | Set up a basic checking account with benefits1 | Establish an account as a middle, high school or college student1,2,3 | Get higher dividend rates with everyday transactions at surcharge-free SUM® and MoneyPass® ATMs1,2,4 | Enjoy the added financial benefits of being a senior5 | Take advantage of a second chance to develop good financial habits6 |
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| Minimum Deposit | $25 | $10 | $50 | $10 | $10 |
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| Minimum Balance | N/A | $250 | N/A | N/A | N/A |
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| Monthly Service Fee | N/A | N/A | N/A | N/A | $15 |
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| Dividend Rate | N/A | N/A | 0.50% on the first $25,000, 0.10% over $25,0004 | N/A | N/A |
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| Features | Free online banking, online bill pay, eStatement processing, and ScoreCard Rewards ATM/debit card | Free online banking, online bill pay, eStatement processing, and ScoreCard Rewards ATM/debit card | Free online banking, online bill pay, ScoreCard Rewards ATM/debit card, eStatement processing, and first set of basic checks; up to $25 in monthly ATM fees reimbursed | Free online banking, online bill pay, ScoreCard Rewards ATM/debit card, eStatement processing, and first set of basic checks | Free online banking, online bill pay, eStatement processing; requires direct deposit |
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1Statement Share (Savings) Account required to establish membership.
2Requires e-Statement processing and free debit card through SUM Program with ScoreCard Rewards.
3Member MUST be in middle school or high school with parent/guardian as a co-signer or in college and under the age of 24 years to qualify. Unlimited ATM fees waived while an active high school student with parent/guardian as co-signer or college student up to age 24. Account automatically converts to a Rewards Share Draft Checking Account when account holder reaches age 24.
4Rewards dividend rate qualifies with 12 debit transactions per statement cycle, a minimum of one direct deposit and/or ACH withdrawal per statement cycle and eStatements. If account fails to meet the Rewards Share Draft Checking qualifications for three consecutive months, account will automatically revert to Classic Share Draft Checking. Fees may reduce earnings on the account.
5Member must be 60 years of age or older to qualify.
6Requires direct deposit. Account not eligible for credit union-funded Overdraft Protection Services (OPS) or Remote Deposit Capture (RDC). Reported closures may not exceed $1,000 for authorized account opening. Request for transfer to another share draft checking account with OPS and/or RDC will be considered after 12 months based on a positive review of the account.
