Financial Access's Smart Checking requires no minimum deposit to open, with unlimited check writing, ATM access and Overdraft Protection offered.
Get a FREE Checking with a $100 monthly direct deposit. Ask us for details!
A tier based product where dividends are calculated each day when the minimum balance of $1000.00 or greater is maintained. As the account balance increases, the interest also increases. The tiered rates are subject to change as determined by the Board of Directors.
There is no fee on your checking account as long as you have Direct Deposit of at least $100.00 into the checking account.
Overdraft protection is available for qualified members. You will need to opt-in for overdraft on your debit card if you want overdraft to be available for you. The availability and limits are determined by your account relationship with the credit union.
In some cases, we will not make all of the funds that you deposit by check available to you on the same business day that we receive your deposit. Funds may not be available until the second business day after the day of your deposit. However, the first $200.00 of your deposit will be available on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the same business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees or if we decide to take this action after you have left the premises, we will mail you the notice by the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.
If your checks are lost or stolen, we need to put a stop payment on the checks and close your checking account. Contact member services if you are unable to come into the branch.
|Effective Date: Thursday, June 8th, 2023|
|Name||Minimum Deposit to Open Account||Minimum Balance to Obtain Dividend||Rate||APY*|
|Checking Plus4||$10,000||$10,000 - $14,999||0.10%1||0.10%3|
|$10,000||$15,000 - $24,999||0.20%1||0.20%3|
|$10,000||$25,000 - greater||0.25%1||0.25%3|
4 If your balance falls below $10,000.00 anytime during the month, your account will be assessed a service charge of $7.95 for that month.
Dividends begin to accrue on the business day you make your deposit as long as the minimum balance to obtain the APY is met. Dividends are compounded and credited quarterly on the last day of March, June, September, December, and at maturity, as in the case of Certificates; [and on the last day of the month on Checking Plus]
Service Charges and other conditions can reduce the earnings on your account. Dividend rates and APY are accurate as of the date stated on this Rate Sheet. Ask an employee or call us at 748-7704 for further information about applicable service charges, current rates, account conditions or to receive a particular account disclosure and/or accounts agreement.
Member accounts are federally insured up to $250,000 by the National Credit Union Share Insurance Fund. IRA accounts are insured up to $250,000.
*APY=Annual Percentage Yield