Checking Accounts
| Monthly Fee | Avg. Daily Balance to Avoid Monthly Fee | Dividends Paid |
Avg. Daily Balance to Earn Dividends |
|
|---|---|---|---|---|
First Checking (Teens ages 13 - 17)* |
none | none | No | N/A |
Easy Checking |
$1.99 | $300 | No | N/A |
Preferred Checking |
$3.00 | $300 | Yes | $300 |
Premium Checking |
$5.00 | $1,000 | Yes | $1,000 |
Silver Class Checking (ages 55+)** |
none | none | Yes | $100 |
Checking Account Features:
- Unlimited monthly check writing
- ATM access
- Overdraft Protection
- Visa Check Card
- E-Statements
- CU Online
- Bill Pay
- Direct Deposit
*First Checking requires co-ownership of parent or guardian
**Silver Class style checks available at half the price of custom style chhecks (other check prices may vary.)
Overdraft Advantage
With all you have to worry about in today's busy world, overdrawing your checking account doesn't have to be one of them. Anyone who has unintentionally had a check returned knows how quickly a small mistake can turn into a lot of time and money, not to mention embarrassment. You can avoid these problems with our Overdraft Advantage program. Using the Overdraft Advantage program is easier than you may think. If you have direct deposit with WSFCU, you are on your way to being worry free when it comes to your checking account.* Please speak with a Member Service Representative for detailed information about the Overdraft Advantage program.
There is no fee to OPT-IN. You are only charged if you use the service.
Sign me up for Overdraft Advantage!
Overdraft Protection
With Overdraft Protection set up to use on your White Sands Federal Credit Union checking account of choice, you can be worry free knowing that you will be covered if an unexpected circumstance may arise. When your checking account is overdrawn, Overdraft Protection will automatically transfer funds from either your savings account or an established Easy Access Line of Credit. This service is not automatic, so please talk to a Member Service Representative today to start receiving the great benefits Overdraft Protection has to offer.
Disclaimer: * White Sands Federal Credit Union (WSFCU) will offer a discretionary Overdraft Advantage program which will allow members who are in good standing, have had an account open for at least one hundred eighty (180) days, and have had direct deposit received for three (3) consecutive months, to draw their account negative, through an Account Clearing House (ACH) transaction or check, up to $500 (including fees). To remain eligible, the account must be brought to a positive balance within every thirty (30) day period. Members who utilize the program will be assessed a $5 fee plus a non-sufficient funds fee of $25 per item. WSFCU will typically pay overdrafts on accounts that are in good standing. Payment is a discretionary courtesy, and not a right or obligation. WSFCU will not typically pay overdrafts if the member's account is not in good standing and/or does not receive regular deposits. WSFCU, in its sole and absolute discretion, can cease paying overdrafts at anytime without prior notice of reason or cause. It is the policy of WSFCU to comply with all applicable laws and regulations and to conduct business in accordance with applicable safety and soundness standards. WSFCU abides by the Direct Account Agreement and Disclosures provided to its members upon opening an account.
Visa Check Card
An ATM card is linked to your Savings (share) Account and allows you to withdraw funds surcharge free from any White Sands FCU ATM or Allpoint ATM.
ATM Card
The Visa Check Card looks like a credit card and works like a check. You can use your VISA Check Card anywhere that VISA is accepted. With this card you will receive a personal identification number (PIN) known only to you. By running your card through the terminal and inputting your PIN, your checking account is automatically debited for your purchase. It can also be used at any ATM to make cash withdrawals.
Overdraft Advantage
With all you have to worry about in today's busy world, overdrawing your checking account doesn't have to be one of them. Anyone who has unintentionally had a check returned knows how quickly a small mistake can turn into a lot of time and money, not to mention embarrassment. You can avoid these problems with our Overdraft Advantage program. Using the Overdraft Advantage program is easier than you may think. If you have direct deposit with WSFCU, you are on your way to being worry free when it comes to your checking account.* Please speak with a Member Service Representative for detailed information about the Overdraft Advantage program.
There is no fee to OPT-IN. You are only charged if you use the service.
Overdraft Protection
With Overdraft Protection set up to use on your White Sands Federal Credit Union checking account of choice, you can be worry free knowing that you will be covered if an unexpected circumstance may arise. When your checking account is overdrawn, Overdraft Protection will automatically transfer funds from either your savings account or an established Easy Access Line of Credit. This service is not automatic, so please talk to a Member Service Representative today to start receiving the great benefits Overdraft Protection has to offer.
Disclaimer: * White Sands Federal Credit Union (WSFCU) will offer a discretionary Overdraft Advantage program which will allow members who are in good standing, have had an account open for at least one hundred eighty (180) days, and have had direct deposit received for three (3) consecutive months, to draw their account negative, through an Account Clearing House (ACH) transaction or check, up to $500 (including fees). To remain eligible, the account must be brought to a positive balance within every thirty (30) day period. Members who utilize the program will be assessed a $5 fee plus a non-sufficient funds fee of $25 per item. WSFCU will typically pay overdrafts on accounts that are in good standing. Payment is a discretionary courtesy, and not a right or obligation. WSFCU will not typically pay overdrafts if the member's account is not in good standing and/or does not receive regular deposits. WSFCU, in its sole and absolute discretion, can cease paying overdrafts at anytime without prior notice of reason or cause. It is the policy of WSFCU to comply with all applicable laws and regulations and to conduct business in accordance with applicable safety and soundness standards. WSFCU abides by the Direct Account Agreement and Disclosures provided to its members upon opening an account.
Changes to Expedited Funds Availability Policy
This notice serves to inform you of changes to the credit union's Regulation CC- Expedited Funds Availability Act Policy for all deposit accounts. Effective July 21, 2011 the next day availability of funds deposited by check into a transactional account increased from $100 to $200. The remainder of the amount of the check will remain on hold until the specified hold has expired.
* To view the complete diclosure please click below.
