5 All of our checking accounts feature the following benefits: ■ $100 to open ■ No minimum balance ■ SnapCheck remote deposit ■ Online and mobile banking ■ Same-day debit cards ■ Loan discounts ■ Electronic BillPay ■ Access to nearly 30,000 no-surcharge CO-OP ATMs and over 5,000 shared-branching locations ■ Overdraft protection (additional fees may apply) ■ 4 free non-CUA ATM transactions each month (surcharges may apply from the ATM owner) SimpleCheck Solutions for traditional checking account needs. To avoid a monthly fee with this account you must meet ONE of the following criteria each month: Have at least one automated direct deposit or ACH, OR: Keep a minimum combined deposit balance of at least $1,000, OR: Keep a minimum combined loan balance of at least $5,000. See fee schedule for more information. ReserveCheck For our members ages 55 or greater. ■ Interest-bearing with average daily balance of at least $1,000, dividends paid monthly ■ No monthly fee ■ 20% off check orders C H E C K I N G