Student Checking

• No Monthly Maintenance Fee
• No Minimum Balance Requirement
• $25.00 Minimum Opening Deposit
• Free E-Statements Are Required for This Account¹
• BillPay Free of Monthly Service Charge
• Free Access to Finance Works Powered by Quicken
• One Free Overdraft/NSF Fee Refund per Year²
• Free Platinum MasterCard Debit/ATM Card 
• .50% Discount on Auto, Boat, and RV Loans  with Automatic Payments from your USE Checking Account³
• Free Money-Saving Mortgage Cost Analysis
• Free Funds Transfers between USE Members
• Free Direct Deposit 
• Free Unlimited Check-Writing (No Per Check Charges)
• No Point-of-Sale Fees for PIN-based Debit Card Transactions
• Overdraft Protection Available with Any USE Credit Card⁴
• Rewards Package Option⁵

Once you are no-longer a full- or part-time student, your account will convert to a Free Checking Account. 1. 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. 2. Overdraft/NSF refund is initiated at member's request. 3. 0.50% will deducted from the prevailing loan rate at the time of application. A USE 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. 4. All loans subject to credit approval. Rates, terms, and conditions subject to change without notice.
5. Rewards Package $5.00 per month.