| - | Direct Deposit |
| - | Premier Membership Checking |
| - | Free Checking |
| - | Membership Checking |
| - | Get Checking |
| - | Money Market Advantage |
| - | High-Yield Money Market Checking |
| - | Rewards Package |
Checking Accounts
| Account Features | |
| Premier Membership Checking |
- Earns Dividends |
| Free Checking |
- Free E-Statements Required6 |
| Membership Checking |
- Free Online BillPay & Presentment Service1 |
| Get CheckingTM | - Designed for Individuals on ChexSystems - Flat Monthly Maintenance Fee - No Minimum Balance Requirement - Free Direct Deposit |
| Money Market Advantage | - A Savings Account with Checkbook Access - Earns Dividends - No Monthly Maintenance Fee if Balance Requirement Met - Unlimited Deposits - 6 Withdrawals Allowed per Month, 3 by Check - Free First Order of Checks - Free Direct Deposit |
| High-Yield Money Market Checking | - A Savings Account with Checkbook Access - High-Yield Rate/Dividends - No Monthly Maintenance Fee if Balance Requirement Met - Unlimited Deposits - 6 Withdrawals Allowed per Month, 3 by Check - Free First Order of Checks - Free Direct Deposit |
| All Checking Accounts | - Free Online Banking - Free Savings Account with a $35 Auto Transfer from a USE Checking Account (Advantage Savings) - .50% Auto/Boat Loan Discount with Automatic Payments from USE Checking7 - Free Direct Deposit - Free E-Statements - Free Online Check Imaging - Free Check Safekeeping - Free 24-Hour Telephone Banking - Free Member Service Center Banking - Free In-Branch Transactions - Free Bank-By-Mail |
All loans subject to approval. USE is an Equal Housing Lender.
1. If your Online BillPay account has no activity for 91 days or more, as measured by the paying of at least one bill, your BillPay service will be deactivated, and you will be required to re-enroll.
2. Overdraft/NSF refund is done at member's request.
3. Limit of one order/box of USE image style checks per year.
4. Limit four free per month.
5. Balance in checking accounts, plus linked savings, money market and deposit accounts, term investments, and/or IRA accounts (on the same Membership number).
6. Online E-Statements are a requirement of Free Checking. If at any point you un-enroll from E-Statements, your account will be converted to a Membership Checking Account, subject to all fees associated with that account.
7. To qualify as an “active” checking account, you must have a minimum activity level of five (5) transactions posted each month. Eligible transactions include deposits or withdrawals by check, debit card, ATM card, ACH, transfers between USE accounts, automated deposits and automated withdrawals. In addition, you must maintain a positive account balance or meet the requirements of one of USE’s overdraft protection programs.
