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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 – For average daily balances of $1,500+

3 – APY = Annual Percentage Yield.

4 – Message and data rates may apply.

5 – 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 $32.50 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 ten (10). The maximum amount of fees we will assess per day is $325.*

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 $32.50 for each overdraft we authorize. The maximum number of Overdraft Privilege PLUS overdrafts processed per day is ten (10). The maximum amount of fees we will assess per day is $325.*

* – The total number of fees we will assess per day is for both plans combined. Ask an ACCU representative for additional details.

6 – One complimentary box of checks per year.

7 – 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.

8- 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.

9 – Account billing will not be reflected until the last business day of the month.

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.