Checking

Member Advantage Program levels increase your advantages of membership!

Your Member Advantage Program level is based on your combined primary account relationship³ at your credit union, defined as your loan balances and your deposit balances added together under a single account number. So the more you use and invest in your credit union the more low cost or even no cost advantages you'll receive!

You choose the Member Advantage Program level you want!

Just review the three Member Advantage Program levels and choose the Level that meets your financial needs! A full disclosure is available for each product and service you use in each Advantage Level at Policies & Disclosures.

Ultra Advantage Level	Plus Advantage Level	Basic Advantage Level
Ultra Advantage Level is available with a primary account relationship³ of $25,000 or more to start. If it drops below $25,000 you still receive all these Advantages for only $12.00 per month.	Plus Advantage Level is available with a primary account relationship³ of $2,500 or more. If it drops below $2,500 you still receive all the Advantages for only $7.00 per month.	Basic Advantage Level is available with a primary account relationship³ of $0.01. For just $0.01 you receive all these Advantages with no monthly fee.
Deposit Advantages
Savings - FREE with only $0.01 minimum balance. Certificates - BONUS Rate on CDs! Other Deposit Programs - Competitive Rates	Savings - FREE with only $0.01 minimum balance. Certificates - Competitive Rates Other Deposit Programs - Competitive Rates	Savings - FREE with only $0.01 minimum balance.
Checking Advantages¹
Checking Plus/Interest Bearing² - FREE Check Orders - FREE two boxes checks any style! Overdraft Protection (requires Checking Plus) - Transfers from Line of Credit, Savings, then Courtesy Pay up to $400 VISA Debit Card - No Transaction Fees and up to $1,000/day available.	Checking Plus/Interest Bearing² - FREE Check Orders - FREE one box logo checks Overdraft Protection (requires Checking Plus) - Transfers from Line of Credit, Savings, then Courtesy Pay up to $400. VISA Debit Card - No Transaction Fees and up to $1,000/day available.	Basic Checking² - FREE Check Orders - Current Low Prices VISA Debit Card - No transaction fees and up to $500/day available.
Loan Advantages¹
Auto Loans - Rate Discounts! MasterCard - Lower Rate, No Annual Fee Home Loans - Current Low Rates Home Equity Loans - NO Closing Costs Other Loan Programs - Current Low Rates	Auto Loans - Current Low Rates MasterCard - Lower Rate, No Annual Fee Home Loans - Current Low Rates Home Equity Loans - No Closing Costs Other Loan Programs - Current Low Rates	Auto Loans - Current Low Rates MasterCard - Lower Rate, No Annual Fee
Automated Advantages
Call24 - FREE MCU ATMs - FREE CO-OP ATMs - No Surcharge Internet Banking & e-Statement - FREE Bill Payer - FREE	Call24 - FREE MCU ATMs - FREE CO-OP ATMs - No Surcharge Internet Banking & e-Statement - FREE Bill Payer - Free with e-Statement; without e-Statement $2.95/month, if used.	Call24 - FREE MCU ATMs - FREE CO-OP ATMs - No Surcharge Internet Banking & e-Statement - FREE Bill Payer - $2.95 per month, if used.
Other Features
Teller Cash Back - FREE Money Orders - FREE Official Check Withdrawals - FREE Temporary Checks - FREE FAX, Email or Phone Transfers - FREE	Teller Cash Back - FREE Money Orders - $1.00 each Official Check Withdrawals - $1.00 each Temporary Checks - 4 for $1.00 FAX, Email or Phone Transfers (excludes Call24) - $1.00 each	Teller Cash Back - $1.00 each Money Orders - $1.00 each Official Check Withdrawals - $1.00 each Temporary Checks - 4 for $2.00 FAX, Email or Phone Transfers (excludes Call24) - $2.00 each

Revised 01/08
¹ With approved credit - some restrictions apply.
² No minimum balance, no monthly maintenance fee, no per check charges.
³ Calculated each month end, by adding the monthly average daily balance for deposits, plus the end of month balance for loans not delinquent.