Banking Services

Checking Accounts

Share draft accounts are similar to traditional checking accounts, only better. Accepted like checks, share drafts have carbonless copies of drafts written for easy personal record keeping. Three share draft checking accounts are available and can be opened with just $25. They can be conveniently accessed with an ATM card, Debit card or 24-Hour TeleService (confidential telephone service).

   

A-Plus Checking

A-Plus Checking gives you the opportunity to avoid service charges and receive several other services at no charge by keeping at least $10,000 in any combination of savings, checking and loans, except Visa® credit card, at the credit union. You will receive:

• No monthly service charge on your account
• Free photocopies, up to 10 per day
• Free interim statements
• Free standard checks (one box per order)
• Monthly dividends earned if the average daily balance is $1,000 or more
• You can still avoid a monthly service charge without the $10,000 relationship, by maintaining at least a $300 daily balance in your share draft checking account, or if you are 65 years-old or older. If the balance falls below $300, the service charge is $5.00 plus tax.
• Account can be opened with just $25.
• Overdraft protection available.
• Can be conveniently accessed with an ATM card, Debit card, 24-Hour TeleService (confidential telephone service), or Online Account Access.
• Go to Rates for current interest rate information.
• To open your account, go to Membership Application; stop by any of our offices in Bettendorf, Clinton, Davenport, LeClaire, Moline or Muscatine; or call (563) 355-0152 or (800) 426-5241, Ext. 1.

Freebee Checking

• Account can be opened with just $25
• No service charges
• No minimum balance required
• No per-check charges
• Unlimited transactions
• Can be conveniently accessed with an ATM card, Debit card, 24-Hour TeleService (confidential telephone service), or Online Account Access.
• Non-interest bearing and no overdraft protection available.
• To open your account, go to Membership Application; stop by any of our offices in Bettendorf, Clinton, Davenport, LeClaire, Moline or Muscatine; or call (563) 355-0152 or (800) 426-5241, Ext. 1.

   

Economy Checking

• No minimum balance required
• Can be opened with just $25
• Monthly dividends earned if average daily balance is $1,000 or more
• Overdraft protection available.
• Low 20¢ per check processing charge. Can be avoided by using a Debit card at merchants who accept Visa® credit cards. Account can also be accessed with an ATM card, 24-Hour TeleService (confidential telephone service) or Online Account Access.
• Go to Rates for current interest rate information.
• To open your account, go to Membership Application; stop by any of our offices in Bettendorf, Clinton, Davenport, LeClaire, Moline or Muscatine; or call (563) 355-0152 or (800) 426-5241, Ext. 1.
  

Overdraft Protection

• Available on A-Plus and Economy Checking accounts only.
• For qualified members, we will advance a loan for the overdraft amount in $100 increments up to the amount of the overdraft privilege at no charge.
• Money can be transferred automatically from selected savings accounts in $100 increments to cover the overdraft for $5.00 per transfer.
• Use either type or a combination of both.

Deposit Insurance

• Your savings deposits are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency.