Checking Accounts Basic Checking Minimum Balance $0 Only $25.00 to Open, Credit Union Membership Required Mastercard Check Debit Cards 24-Hour ATM Access 24-Hour Telephone Service 24-Hour Web Access Lower Cost on Duplicate Copy Checks on all Accounts Unlimited ACH's at no Charge Discounts on Loans with a Qualified Checking Account Lower Fees for Related Services Overdraft Protection Free Checks for Ages 55 and Over NOW Checking $500 minimum to open, Credit Union Membership Required Minimum Balance to Maintain $500 A service fee of $7.50 any month that the balance falls below $500 Dividends are paid Monthly No Limit on Checks Written Mastercard Check Debit Cards 24-Hour ATM Access 24-Hour Telephone Access 24-Hour Web Access Lower Cost on Duplicate Copy Checks Overdraft Protection Ultra Checking $2,500 minimum to open, Credit Union Membership Required Minimum Balance to Maintain is $2,500 A service fee of $7.50 any month that the balance falls below $2,500 Dividends are paid Monthly 24-Hour Web Access Small Business Checking $15.00 Monthly Service Charge $200.00 Minimum Balance A service fee of $7.50 any month that the balance falls below $200.00 $200.00 to Open, Credit Union Membership Required Mastercard Check Cards 24-Hour ATM Access Lower Cost on Duplicate Copy Check Unlimited ACH's at No Charge Overdraft Protection