Regular Checking

No Monthly Fee Checking - This is our Regular Checking Account.  The account is also referred to as “Share Draft Account.”  It is a non-interest bearing account.  A minimum deposit of $50.00 is required to open this account. 

Check orders come with duplicates for your record keeping.   A monthly statement is mailed which includes a chronological list of checks that have cleared your account.

There is no minimum balance required or per-check cleared charge.  Upon your request, Overdraft Protection is available from other Credit Union account(s) and/or loans.  Overdraft Privilege service is available on your account that is in good standing with the Credit Union.  Restrictions apply.  

Need access to your checking account 24-hours a day?  Sign-up for Call-24 or Web-24 when you open your account.  These services are free and all you need is a touch-tone phone for Call-24 or a computer for Web-24.  It's fast, easy, and convenient!

You may also apply for a VISA Check Card  for ATM access or for purchases with merchants
displaying the VISA logo.
 

 **ADVANTAGE BENEFIT PACKAGE**

Interested in more "perks" with your checking account and a LOW monthly fee?  Check out our Advantage Benefits Package!  For a low monthly fee of only $5.00, you have access to ALL of these services and products:

• Personalized Checks.  You'll receive 1 box or a discounted box of personalized checks per Calendar year ($14.40 value).
• No Per Check Charge.  You may write as many checks as you want.
• Stop Payment Discount.  Receive 1 stop payment per quarter, free of charge ($18 value).
• Traveler's Checks, Official Checks & Money Orders.  There is no issue charge for these products.
• Notary Services at no charge.
• Overdraft Privilege.  Overdrafts up to $400 will normally be considered. CCATCU will charge a nominal fee as set for in the fee schedule.
• Photocopies.  Make copies of your personal papers (some restrictions may apply).
• VISA Check Card.  Your annual fee will be waived ($10 value).
• Wire Transfer.  One free transfer per month to any place in the USA ($12 value).
• Reduced Loan Rate.  You are eligible for a reduced rate of .25% on installment loans and payments are automatically deducted from your account (some restrictions may apply).
• Safe Deposit Box Discount.  A $10 annual discount will apply to the rental price of a 3x5 size safe deposit box depending upon availability (some restrictions may apply).
• Identity Watch.  You may enroll in the Identity Watch program & receive a copy of your credit report, ongoing credit file monitoring & comprehensive victim assistance.
• Protect -Your-Cards.  You may register all your credit cards & debit cards with our convenient protection service.  Should your card(s) become lost or stolen, and the necessary arrangements will be made to have your registered cards cancelled & reissued immediately.  This service eliminates your legal liability against card loss up to $5,000 per incident.
• Identity Theft 911.  If you become a victim of ID theft, you will be assigned to a highly qualified personal advocate who is the single source of contact in helping you resolve your problem from start to finish.
• Living Family Journal.  Organize, record, and document personal, medical & financial information from the convenience of your personal computer.
• Accidental Death & Dismemberment Insurance.  $20,000 AD&D Insurance & $100,00 Common Carrier Insurance plus $1,500 Dependent Children Coverages are included in your package.  Additional coverages are also available.
• Easy Saver.  Save up to 50% of brand name products by phone or online.  Access to prepaid shopping & dining gift cards, savings on entertainment, savings on hotels, and other travel savings are also available.
• Prescription Drug Discounts.  You & your family will receive discounts on many of your prescriptions through local participating pharmacies & major chains.
• Vision Care Savings.  Save 10% - 60% on vision care plus, you also have access to a network of ophthalmologists, in selected markets, providing members 10% - 30% discounts on qualified procedures.

Contact Member Services today at (361) 985-6277 and find out how easy it is to add this valuable package to your account today!

(Note:  Current GEM and Nugget accountholders automatically convert to Advantage Benefits Package on March 1, 2008.)