Our convenient checking services were designed to make your life easier. The chart below highlights the features and benefits included in our checking accounts.
Stop by any branch for a personal checking account in Huron, Norwalk, Sandusky and Vermilion or call us at 1-800-691-9299 to get started.
Membership is required. Not currently a member? Become a member and start enjoying exclusive benefits from a local network today!
Essential Checking
“Simple. Secure. Everything you need, nothing you don’t.”
Our Essential Checking is designed for simplicity and convenience. Enjoy unlimited transactions, easy access to your funds, and the flexibility you need for everyday banking.
- Free to Open
- No Monthly Maintenance Fee
- No Balance Requirements
- Free Debit/ATM Card
- Free Digital Access
- Direct Deposit Capability
Elevate Checking
“Take your money further.”
Our Elevate Checking is perfect for those who value growth and flexibility while enjoying all the conveniences of modern banking.
- Earns 0.25% in Dividends on a Maintained Daily Balance of $1,500 or More
- Free Debit/ATM Card
- Free Digital Access
- Direct Deposit Capability
- Up to 5 Non-Proprietary ATM Fees Waived per Month
- Free Cashiers Checks and Money Orders
- Discounted Safe Deposit Box Fees
Golden Checking
“Enjoy smooth sailing in your golden years.”
Our Golden Checking is the perfect blend of simplicity and value for those who want a hassle-free account, with a few extra benefits for members 60+.
- Earns 0.10% in Dividends
- Free to Open
- No Monthly Maintenance Fee
- No Balance Requirements
- Free Debit/ATM Card
- Free Digital Access
- Direct Deposit Capability
- 2 Free Boxes of Checks per Year
- Up to 5 Non-Proprietary ATM Fees Waived per Month
| ACCOUNT TYPE | MONTHLY SERVICE CHARGE | DIVIDEND BEARING | DEBIT CARD ACCESS | FREE BOXES OF CHECKS | NON-PROPRIETARY ATM FEE WAIVERS | HOW AUTHORIZATION HOLDS AFFECT YOUR BALANCE |
|---|---|---|---|---|---|---|
ESSENTIAL CHECKING |
 |
|
 |
|
|
|
ELEVATE CHECKING |
$5 unless $1,500 balance is maintained |
Maintain a daily balance of $1,500 and earn 0.25% in dividends |
|
|
Up to 5 per month |
|
GOLDEN CHECKING |
|
Earns .10% in dividends |
|
Up to two boxes annually |
Up to 5 per month |
All depository accounts are insured up to $750,000. The first $250,000 is provided by the NCUA Share Insurance Fund (NCUSIF). An additional $500,000 is made available through private insurance from Excess Share Insurance (ESI). This coverage is more than most financial institutions offer.
Overdraft
Sometimes, we spend money without thinking about how it will affect our account balances, resulting in an overdraft fee.
Overdrawing your checking account creates unwanted fees that end up costing you more money. View our Financial Literacy page to learn about:
- Consequences of overdrawing your account
- Facts about unwanted overdraft fees
- Tips on managing your account balances