Advantage Checking

You can have the best of both worlds. With Advantage Checking you can enjoy the benefits of a personal checking account and the reward of earning dividends on your idle cash.

Features of Advantage Checking

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Earn the Dividends YOU Deserve

Watch your money grow. That’s the value of your Advantage Checking account. This investment alternative allows you to earn dividends while giving you access to your money.

With Advantage Checking, the benefits keep coming:

We make it easy to earn monthly dividends with your Advantage Checking account. All you have to do is:

  • Maintain a minimum balance of $4,000.2  
 
 

 

1Does not include surcharges that other institutions may charge to use their ATM. 2If the balance in the Advantage Account falls below $4,000, a $5 below-minimum balance fee will be assessed monthly. If this occurs 3 times in a 12-month period, you may be automatically transferred to the Value Account.

Compare the differences between our checking accounts

Windfall Checking® All Axcess X-treme Value Advantage
Pays dividends yes1     yes2
Refunds ATM fees yes3 yes3      
Designed for younger members   yes yes    
No minimum balance required yes yes yes yes  
No monthly service fee yes yes yes yes yes
No per-check charge yes yes yes yes yes
Free digital banking access yes yes yes yes yes
Free mobile banking apps yes yes yes yes yes
Free Check/ATM card yes yes yes yes yes
Unlimited CCU ATM Access yes yes yes yes yes

1Dividends paid on balances up to $20,000. If requirements are not met, dividend will not be paid.

2$4,000 minimum balance earns dividends.

3ATM fees refunded up to $30 a month. If requirements are not met, ATM fees will not be refunded.

Overdraft Protection

Protects your checking account from insufficient funds by automatically transferring funds from your savings account in the event of an overdraft.

Can transfer funds in two ways:

    • From savings ($3 fee per item).
    • From Visa® via a cash advance.

Enhanced Overdraft Protection

Works in conjunction with overdraft protection to prevent paper checks and ACH (automated clearing house) transactions from being returned for insufficient funds. Once all of the funds available under your savings account have been exhausted, we may access your Enhanced Overdraft Protection amount, up to $400 maximum, for the remainder of the funds needed to cover your checks. This will place your checking account in a negative balance.

  • Available to members in good standing over the age of 18.
  • Available for ACH transactions and paper checks.
  • Can overdraw up to $400.
  • There is a $32 charge for each item cleared using Enhanced Overdraft Protection.