HIGH INTEREST CHECKING

ELFCU's High Interest Checking Account features:

• A premium Annual Percentage Yield¹ (APY) on your first $1,000; Competitive interest on balances $1,000+
• Dividends on an average daily balance as low as $50 on accounts with 15 transactions² per statement cycle
• Unlimited transactions
• Overdraft protection
• Completely free, when you sign up for eStatements (and that's easy to do!)

Our High Interest Checking Account is perfect if you:

• Want the flexibility of a checking account with the benefit of a BIG interest rate
• Want to avoid checking and debit fees

BASIC AND DIVIDEND CHECKING ACCOUNTS

Establish an even stronger relationship with your credit union by moving your checking here. With our Basic or Dividend Checking Account, we offer unlimited check writing privileges, and your first 50 checks are free.

As for fees, we like to help you avoid them! Members under age 25 or over 55 automatically qualify for Basic Checking with no monthly fee. And despite your age, here are a few additional actions you can take to avoid this monthly fee:

• Direct Deposit OR 
• Combined balances of $10,000 or more (including savings, checking, and loans)

With Dividend Checking you can bypass a monthly fee just by maintaining an average daily balance of $700.

MORE CHECKING BENEFITS

• Convenience: The CU CheckCard (VisaŽ debit card) allows you to make purchases at any merchant that accepts VisaŽ debit cards. The funds will be directly withdrawn from your checking account. Enjoy added security for all your online Visa purchases by registering in the Verified by VisaŽ program.
• Peace of Mind: With both Overdraft Protection and Overdraft Privilege, you can protect yourself against overdraft fees and inconveniences. Your options include:
  • EZ Loan line of credit transfers: money transfers to cover shortfall; cost is $5 plus interest that accrues on outstanding balance.
  • Savings transfers: money taken from your savings account matches the exact amount of your overdraft savings transfers; cost is $5 each up to 6 transfers per month from savings.
  • Overdraft Privilege: for members who qualify, $700 is available to you beyond your Overdraft Protection. A $30 fee applies each time you tap into this service.
• Paperless: Instead of returning your canceled checks, we provide you with a listing of checks paid, noted by check number, date and amount, all viewable within eBranch, the credit union's Internet banking program. To sign up for eBranch now, click here.

To learn more about any of our checking products, please contact Member Service, 317.276.2105, or toll-free at 800.621.2105.

¹Annual Percentage Yield is variable and may change after account is opened.

²Eligible transactions include all account activities except Fees and Dividends. Dividends will be paid only on accounts meeting the 15 transactions per statement cycle requirement. If requirement is not met, no dividend is paid on any of the balance. For members 18 years old and older.