As part of this account, you may also request a Visa Check Card to be used for purchases and cash advances using this account.  You may use your Visa Check Card to make purchases at any merchant or withdraw cash at any ATM anywhere that the "Visa" logo is displayed. Members are allowed up to eight (8) cash withdrawals per month - there is a charge of $1.00 per withdrawal over eight (8) per month. Direct Deposit and ACH transactions are also available with this account. 

To report a lost or stolen Debit card, please call (800) 991-4965.

Members may choose from a large selection of check styles that are available from Liberty Checks. Prices of the check reorders will vary depending on the style chosen. 

There is no minimum balance requirement to open a checking account, however, members must maintain $25.00 in a share savings account in order to open a credit union checking account. Dividends are not paid on the balance in your checking account.

Truth-In-Savings Disclosure Information

Annual Percentage Yield as of Last Dividend Declaration Date	N/A
Dividends Compounded	N/A
Dividends Credited	N/A
Dividend Period	N/A
Minimum Opening Deposit	None
Minimum Balance to Avoid Service Charge	None
Minimum Balance to earn the Stated APY	N/A
Balance Method	N/A

Checking Account Fees
The following fees may apply to your checking account.

 

	Non Sufficient Funds Fee (NSF) = $30.00
	ACH &ATM NSF Return Fee = $30.00
	Overdraft Fee = $5.00
	Stop Payment Fee = $25.00
	Check Copy  = $5.00
	Check Printing Order = Per Printers Price List
	VISA Debit/Check Card Application Fee = $3.00
	VISA Check Card Plastic Replacement = $10.00
	ATM Transactions (8 free per month) = $1.00 per item charge for each machine cash withdrawal, after the 8 per month free.

Account Service Fees
The following fees may apply to all accounts.

	Membership Fee = $1.00
	Check Cashing Fee = $5.00 per check   (Assessed if savings balance is less than $100.00 and no other accounts exist. This does not apply to individuals under 21 years of age.)
	NSF Fee = $30.00 per occurance
	Account Closed within 90 days of opening = $10.00     (This fee applies only to Savings and Primary Accounts )
	Cashiers or Certified Check = $10.00 per check
	Account Reconciliation/Research Fee (per hour) = $20.00
	Statement Copy Fee (per page) = $1.00
	Money Orders (per item) = $1.00
	Faxed copies per page = $2.00
	ACH & ATM NSF Return Fee = $30.00
	VISA Credit Card Over Limit Fee = $20.00
	VISA Credit Card Late Fee = $25.00
	VISA Credit Card Plastic Replacement = $10.00
	Pin Number Replacement = $3.00
	Garnishment/Levy/Subpoena Processing Fee = $25.00
	Verification of Deposit/Mortgage = $5.00
	Payoff letters (Faxed or Mailed) = $10.00
	Escheat Processing Fee = $100.00
	Vehicle Lien Recording Fee = $10.00
	Domestic Wire Transfer = $20.00 *International Wire Transfer = $40.00
	Return Mail Fee = $5.00

	Visa Check Card
	Direct Deposit - ACH #243084469
	Payroll Deduction
	Financial Counseling
	Money Orders
	US Postage Stamps
	Credit Disability Insurance
	Credit Life Insurance
	Members Choice Insurance from CUNA Mutual Group

We do business in accordance with the Federal Housing Law and the Equal Credit Opportunity Act. Copyright © 2004 - Pennsylvania Credit union Association