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Checking Accounts

Smart Checking

Financial Access's Smart Checking requires no minimum deposit to open, with unlimited check writing, ATM access and Overdraft Protection offered. 

Ready ...Set....GO!  

Get a FREE Checking with a $100 monthly direct deposit. Ask us for details!

Checking Plus

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.

Checking Questions

Effective Date: Sunday, April 14th, 2024
NameMinimum Deposit to Open AccountMinimum Balance to Obtain DividendRateAPY*
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

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