Checking Accounts

Account Features/Benefits Free Checking Membership Checking Student Checking Premier Checking FREE ! With Minimum Monthly Requirements FREE E-Statements Required1 $500 Minimum Daily Balance FREE E-Statements Required1 $10,000+ Combined Balances2 on Same Mbr# or 1st Mortgage on Same Member# or 55 Years of Age or Older Low Minimum Opening Deposit $100 $100 $25 $100 Free E-Statements Required Required Free Online Banking & BillPay3 Free Access to Finance Works Free Checks for Life4 One Free Overdraft/NSF Fee Refund per Year5 Free Direct Deposit No Per Check Charges Free Online Funds Transfers Between USE Member Accounts Free Mortgage Check-Up Analysis Free Advantage savings account with a $35 Automatic Transfer from a USE Checking Account  Only $5 .50% Discount on Your USE Auto, Boat, or RV Loans with Automatic Payments from an active USE Checking Account6 No USE Fees at USE or CO-OP Network ATMs - Over 30,000 Nationwide7 Free Visa Classic Debit Card   Free Visa Platinum Debit Card with a Higher Spending Limit       No USE Fees for Foreign ATM Withdrawals7       No Point-of-Sale Fees for PIN-based Transactions       Free Travelers Cheques       Free Cashier Checks8       An Additional Premier Membership Checking Acct with No Minimum Balance Requirement/Fees9       $10 Voucher toward Child/Grandchild Savings Acct10       Earns Dividends       Monthly Service Fee (only if minimum monthly requirements aren't met) $0 $5 $0 $15

All loans subject to approval. USE is an Equal Housing Lender. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. The National Credit Union Administration (NCUA) is a U.S. Government Agency. 1. Online E-Statements are required. If at any point you stop receiving E-Statements, your account will convert to a Membership Checking Account, subject to the fees associated with that account. You're responsible for notifying the Credit Union if your email address changes. 2. Balance in checking accounts, plus linked savings, money market and deposit accounts, term investments, and IRA accounts. 3. 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. 4. Limit of one order/box of USE image style checks per year. 5. Overdraft/NSF refund is done at your request. 6. To qualify as an 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. 7. For ATM usage, non-refundable ATM operator and foreign transaction and currency exchange fees may apply. 8. Limit four free per month. 9. Limit one additional Premier Membership Checking Account; account must be on the same Membership number as the original Premier Membership Checking Account. In the event the original Premier Membership Checking Account is closed, the additional Premier Membership Checking Account will then be subject to the standard Premier Membership Checking fee waiver requirements and the subsequent fees for not meeting those requirements. 10. Limit one $10 Voucher per year, per Premier Membership Checking account.