Checking
When it comes to checking accounts, we don't believe in one-size-fits-all. After all, some people want an account that's free, simple, with no strings attached. Others who keep a high balance want to put that account to work earning interest. Some want free ATMs nationwide. And other people rarely write a check. They pay most of their bills online.
NuUnion has Checking Accounts to fit everyone:
- SoSMART® Checking
- Free Checking
- E-Checking
- Teen Checking
- Collegiate Checking
- Basic Checking
- Checking Plus
You have ready access to any Checking Account 24 hours a day, everyday, at ATMs with your ATM or Debit Card, through Internet Banking, and using Phone Banking.
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It's easy to open an account or switch the one you have
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Use the comparison guide below to help you decide which NuUnion Checking account is right for you. Or talk with a NuUnion representative. We're here to help.
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SoSMART®
Checking*
|
Free Checking* |
E - Checking* |
Collegiate Checking* (maximum age 23) |
Teen Checking*
(13 to 19
years old) |
Basic Checking* |
Checking Plus* |
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Minimum
Balance
to Open
Account
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$50 |
$50 |
$50 |
$50 |
$50 |
$50 |
$50 |
Monthly
Fee |
None |
None |
None |
None |
None |
$500
minimum balance or $3,000 in combined Deposit Accounts
(for each
Checking Account)**
or $5.00
Monthly Fee
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$1,000 minimum balance or $5,000 in combined Deposit Accounts
(for each
Checking Account)**
or $5.00
Monthly Fee
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Check Writing
|
Unlimited |
Unlimited |
Five (5) free per month/
50¢ each thereafter
|
Unlimited |
Unlimited |
Unlimited |
Unlimited |
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Debit
Card
|
Free/
Required |
Free/
Required |
Free/
Required |
Free/
Required |
Free/
Optional |
Free/
Optional |
Free/
Optional |
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Debit
Card Use
|
Free/15 cleared purchases
per cycle minimum*
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Free/
Unlimited |
Free/
Unlimited |
Free/
Unlimited |
Free/
Unlimited |
Free/
Unlimited |
Free/
Unlimited |
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Interest
|
Premium interest
paid on balances
up tp
$25,000
when requirements are met*** (Lower
interest
paid on the
portion of
the balance over
$25,000)
|
Not
Available |
Not
Available |
Not
Available |
Not
Available |
Not
Available |
Tier 1: $1,000 - $4,999.99
Tier 2: $5,000 - $9,999.99
Tier 3: $10,000 or more
Minimum balance of $1,000 to earn interest
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Overdraft Protection
|
Available |
Not
Available |
Available |
Available |
Available |
Available |
Available |
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Internet
and
Automated
Phone
Banking
Use
|
Free/ Unlimited |
Free/ Unlimited |
Free/ Unlimited |
Free/ Unlimited |
Free/ Unlimited |
Free/ Unlimited |
Free/ Unlimited |
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Online
Bill Payer
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Free/ Unlimited |
Free/ Unlimited |
Free/ Unlimited |
Free/ Unlimited |
Free/ Unlimited |
Free/ Unlimited |
Free/ Unlimited |
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ATM
Trans-actions at NuUnion ATMs
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Free/ Unlimited |
Free/ Unlimited |
Free/ Unlimited |
Free/ Unlimited |
Free/ Unlimited |
Free/ Unlimited |
Free/ Unlimited |
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ATM
Trans-actions at Non-NuUnion ATMs
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All ATM fees (including surcharges) refunded
up to $25
per cycle****/
$1.50 each
thereafter
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Two (2) refunds per month if qualified*****/
$1.50 each
thereafter
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Two (2) refunds per month if qualified*****/
$1.50 each
thereafter
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Two (2) refunds per month/
$1.50 each thereafter
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Two (2) refunds per month/
$1.50 each thereafter
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Two (2) refunds per month if qualified
*****/
$1.50 each
thereafter
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Two (2) refunds per month if qualified
*****/
$1.50 each
thereafter
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Surcharge
Free ATMs |
CO-OP
Network
|
CO-OP
Network |
CO-OP
Network |
CO-OP
Network |
CO-OP
Network |
CO-OP
Network |
CO-OP
Network |
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Direct Deposit /
Direct
Payment
|
Required |
Optional |
Required |
Optional |
Optional |
Optional |
Optional |
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E-State-ments
(E-mail address required)
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Required |
Optional |
Required |
Required |
Optional |
Optional |
Optional |
*Member Purchases Checks
**Qualifying Deposit Accounts include all Savings, Checking, Certificates of Deposit, Money Markets, High Yield Asset Accounts, and IRAs. Member must be the primary owner on each account.
***Simple requirements (15 Debit Card Purchases, 1 Direct Deposit or Direct Payment, receive E-Statements) must be met per cycle. If requirements aren't met, a base rate is paid on all balances.
****Cycle varies depending on when the last day of the month falls.
*****Qualified means having either an active debit card with one purchase per month or recurring monthly direct deposit or payment. Surcharges still apply.
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