Checking
What Makes It
Better
A checking
account at STFCU works the same way as a checking
account at any bank. However, some very important
features make them better than the traditional
checking accounts. Remember, banks are in
business to make a profit any way they can.
Credit unions are
in business to offer quality financial service.
Therefore, the fees we do have on our checking
accounts cover the credit union's cost only.
NO SERVICE
CHARGE/
MINIMUM BALANCE
REQUIREMENT On
personal checking accounts, there are absolutely
no monthly service charges if you maintain a
minimum balance of $500. Members only have to pay
for the checks they use.
MONTHLY DIVIDENDS
PAID
We pay you to
have a checking account with the credit union.
Competitive dividends are paid on checking
accounts with balances of $500 or more.
Dividends are
computed on your low monthly balance and paid
quarterly.
OVERDRAFT
PROTECTION
As an additional
convenience, we offer overdraft protection by
transferring from your regular share savings
account to cover any check that may exceed the
balance in your checking account.
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DIRECT DEPOSIT
& PAYROLL
DEDUCTION
You can arrange
for your payroll check, Social Security check,
retirement check, or any other regular recurring
check to be directly deposited to your checking
account. No more waiting. No more lines.
It's
secure--everything is done for you.
Preauthoriezed
drafts may be used to pay insurance premiums,etc.
CHECKING COPIES
Each time you
write a check, you automatically make a
carbonless copy which remains in your checkbook.
You won't have to wait until the end of the month
to have an exact record of your financial
transactions nor will you need to keep track of
cancelled checks--the originals are stored for
you.
MONTHLY
STATEMENTS
Once each
month we will send you a statement showing the
number of checks clearing your account, the
amount, and all other transactions made on your
checking account during that month. Utilizing
monthly statements and check copies makes balance
your checkbook a breeze.
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