Having a fee-free checking account is easy if you elect to have Direct
Deposit of your payroll check, retirement check or federal payments. Direct
Deposit not only saves you money, but it's also safe and convenient. Even if
you don't have Direct Deposit, our checking account is
the way to go! You can select the $500 minimum balance option to avoid monthly
service fee. Accounts without Direct Deposit or not maintaining a minimum
balance of $500 will be charged a monthly service fee.
Visa Check Card (debit card)
Paying with a VisaŽ Check Card is quick and easy! You'll save time because you don't have to write a check and then wait for approval. It is also accepted by the
thousands of merchants who accept Visa. Members who have a Saint Agnes Credit
Union checking account may be eligible for a Visa Check Card.
Your Visa Check Card can also be used as an ATM card at any Allpoint,
STAR or Cirrus automated teller machine to get cash from your savings and checking
We provide you with duplicate checks in a variety of styles. Duplicate style
checks provide a convenient way to keep track of who the check was payable to,
the amount, and the date you wrote it. Check Safekeeping eliminates the need
for you to store cancelled checks; photocopies of checks are available if needed.
See the fee schedule for cost. The first set of 50 checks are
supplied to you at no cost. If you have direct deposit, there is a 25% discount
Overdraft protection is provided for all checking accounts in the form of a
transfer from your share account. Six transfers are
allowed per month, three may be generated by electronic (computer generated)
transfer. If the electronic transfer is accessed, there is a fee (see fee
schedule). You can request a transfer in person, by phone or through our
Quick Check telephone response system without a charge.
Remember, only six transfers are allowed each month.
A line of credit loan is available for overdraft
up to $500 per account at a low Annual Percentage Rate
(APR). An application and verification of income must be submitted for
approval. Funds are transferred in increments of $100.