| Simply Free Checking | Premier Checking | Premier Plus Checking | Advantage Checking |
|---|---|---|---|
| A FREE account for anyone | For those interested in higher interest rates | Earn interest with the convenience of direct deposit and debit card use | An account for those interested in money saving benefits |
| FREE Debit Card | |||
| FREE Online Banking | |||
| FREE Bill Pay | |||
| FREE Mobile Banking with Mobile Deposit | |||
| FREE eStatements** | |||
| FREE 1st box of checks | |||
| — | |||
| Early Pay - Receive your direct deposit up to two days before your “official” payday | |||
| — | — | — | |
| Overdraft Forgiveness | |||
| — | — | — | |
| Identity Theft Aid* | |||
| — | — | — | |
| Roadside Assistance | |||
| — | — | — | |
| Savings Network | |||
| — | — | — | |
| Interest Rate | |||
| — | Tiered interest available with balances over $1,000 | Competitive interest with balance above $15,000 | — |
| Monthly Service Fee | |||
| No monthly service charge | *Only $6.95 per month if the minimum requirement is not met | *Only $6.95 per month if the minimum requirement is not met | Only $6.00 monthly charge |
Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See fee schedule for details. Minimum opening deposit is only $5. Ask us for details. Credit Union rules and regulations apply. Offer good on personal accounts only; ask us about our outstanding options for your business or organization. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. Up to $10 for debit cards and unused checks from another financial institution given at the time the checks/debit cards are presented. Early Pay: You must have ACH Direct Deposit into a Cardinal Credit Union account to participate in Early Pay. Depending on your employer’s payroll procedures, it may not be possible to receive your payroll deposit early. Cardinal Credit Union does not assume any liability for not depositing these funds to your account early. This offer is subject to change without notice. Overdraft Forgiveness: Two overdraft/non-sufficient funds (NSF) fees waived annually per membership. Insurance products are: NOT A DEPOSIT, NOT FEDERALLY INSURED, NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY.
*For Premier Checking accounts, you must maintain a minimum average daily balance of $1,000.00 in your checking account or a minimum average daily balance of $25,000 in your combined share and loan accounts for the calendar month and must also receive your monthly statements electronically
*The Premier Plus Checking accounts you must have a total of $500.00 or more in direct deposits to your Premier Plus Checking account per month; you must complete a minimum of 10 debit card purchases for a minimum of $10.00 per month; you must receive your monthly statement electronically.
**Paper statements are $3 per month.
All accounts subject to approval. Restrictions and limitations may apply.