Premier Membership Checking

• Dividends Paid Monthly (Higher Dividends on Higher Balances - Tiered)
• No Monthly Maintenance Fee if:
    - You have Combined Balances of $10,000 or More under the Same Member Number¹, or
    - You have a USE First Mortgage Loan under the Same Member Number, or
    - You are 55 years of age or older 
  (Otherwise, a Monthly Fee is Assessed)
• $100.00 Minimum Opening Deposit
• BillPay & Presentment Free of Monthly Service Charge 
• Free Access to Finance Works Powered by Quicken
• Free Checks for Life³
• One Free Overdraft/NSF Fee Refund per Year⁴
• Free Platinum Visa Xpress ATM & CheckCard
• No USE Fees on Non-USE or Non-CO-OP ATM Transactions⁵
• No Point-of-Sale Fees for PIN-based CheckCard Transactions
• Fee-Free Travelers Cheques 
• Fee-Free Cashier's Checks ⁶
• $10.00 Voucher Toward a Child/Grandchild Savings Account⁷
• .50% Discount on Auto, Boat, and RV Loans with Automatic Payments from your USE Premier Membership Checking Account⁸
• Free Money-Saving Mortgage Cost Analysis
• Free Funds Transfers between USE Members
• Free Direct Deposit 
• Free Unlimited Check-Writing (No Per Check Charges)
• Overdraft Protection Available with Any USE Visa Card⁹
• Rewards Package Option¹⁰

This is a variable rate product.
1. Balance in checking accounts, plus linked savings, money market deposit accounts, term investments, and/or IRA accounts.
3. Limit of one order/box of USE image style checks per year.
4. Overdraft/NSF refund is initiated at member's request.
5. For ATM usage, non-refundable ATM operator and foreign transaction and currency exchange fees may apply.
6. Up to 4 per month.
7. Offer limited to one voucher per account per year.
8. 0.50% will deducted from the prevailing loan rate at the time of application. A USE Premier Membership Checking Account must first be opened and automatic loan payments must be established from this account to pay the monthly loan payment. All loans subject to credit approval. Rates, terms, and conditions subject to change without notice.
9. All loans subject to credit approval. Rates, terms, and conditions subject to change without notice.
10. Rewards Package $5.00 per month.