• Check Reorder Express
• The Perks Package
• Debit Cards
• Fee & Funds Availability Schedule

By Email -
ContactUs@MHVFCU.com

By Phone -
845.336.4444 / 800.451.8373

MHV Ultra – It’s Better Than Free Checking

• Dividends earned on balances of $1,000 or more
• Free for members who maintain $5,000 average daily balance in checking or $15,000 in total deposit and loan balances
• Fees Waived for Foreign ATM and Overdraft Sweeps
• Perks Package, a $364 value free to Ultra Checking Members, which includes $5,000 Identity Fraud Expense Reimbursement Coverage, $5,000 Accidental Death & Dismemberment Insurance, Credit File Monitoring, and an Entertainment Savers Guide
• Discounted Mortgage Closing Costs
• Exclusive Offers on Certificates of Deposit
• AND MORE!!

Free Checking:

• No Hidden Fees
• No Minimum Balance Requirements
• No Monthly Service Charges
• No Per Check Fees
• Optional Perks Package - $3.95 per month, a $364 value free to Ultra Checking Members, which includes $5,000 Identity Fraud Expense Reimbursement Coverage, $5,000 Accidental Death & Dismemberment Insurance, Credit File Monitoring, and an Entertainment Savers Guide

Young Adult Checking (16-22)

• Members 17 and under must have a joint owner to qualify
• No Hidden Fees
• No Minimum Balance Requirements
• No Monthly Service Charges
• No Per Check Fees
• Optional Perks Package - $3.95 per month, a $364 value free to Ultra Checking Members, which includes $5,000 Identity Fraud Expense Reimbursement Coverage, $5,000 Accidental Death & Dismemberment Insurance, Credit File Monitoring, and an Entertainment Savers Guide

Go Green on ANY checking product with e-Statements, Internet Home Banking & Bill Payer, Direct Deposit and the Visa Debit card to access your checking safely and securely without the paper trail! See chart below for a detailed description

 

	MHV Young Adult	MHV Free	MHV Ultra
Required Monthly Balance	$0.00 for members age 16-22	$0.00	$5,000 average daily balance in checking or $15,000 in total deposit and loan balances
Monthly Service Charge	$0.00	$0.00	$12.00 if balance criteria is not met
MHV Fee for Using Foreign ATMs	Free	$1.00 (waived if $1,000+ in checking or savings)	Free
Overdraft Sweep Fees	$2.00 per item	$2.00 per item (optional)	Free
Interest Bearing	No	No	$1,000-$9,999.99 = .20% APY* $10,000-$24,999.99 = .20% APY* $25,000-$49,999.99 = .25% APY* >$50,000 = .50% APY*
Additional Features	• Free first order of MHV • Custom Checks • MHV offers over 100,000 ATMs worldwide through network participation** • Up to $10 refund with receipts at non-participating ATMs • e-Statements • Home Banking • Bill Pay • Direct Deposit • Free College Planning Service Available through Collegiate Funding Solutions • .25% consumer loan rate reduction with auto pay	• MHV offers over 100,000 ATMs worldwide through network participation** • e-Statements • Home Banking • Bill Pay • Direct Deposit • Debit Card • .25% consumer loan rate reduction with auto pay	• Free order of MHV Custom Checks • or 50% Discount Toward Designer Checks (one order per year) • MHV offers over 100,000 ATMs worldwide through network participation** • e-Statements • Home Banking • Bill Pay • Direct Deposit • Debit Card • Discounted Mortgage Closing Costs • Exclusive Offers on Certificates of Deposit • Staff Supported Switch Service • Free Debit Card Replacement • .25% consumer loan rate reduction with auto pay
Why should I Upgrade My Account with the Perks Package?	• $5,000 Identity Fraud Expense Reimbursement Coverage • Credit File Monitoring • $5,000 Accidental Death & Dismemberment Insurance • Entertainment® SaversGuide®
Cost to Upgrade to the Perks package?	$3.95 per month	$3.95 per month	Free

All MHV Checking Accounts are available with the following FREE products and services: 24/7 Personal Teller, 24/7 Call Center, EARS 24/7 Bank by Phone, Internet Banking with Check Imaging and Bill Payer, VISA Debit or ATM card, Direct Deposit, E-Statements, Financial Seminars and Financial Planning Check Up, Insurance Review and Price Quote for Homeowners, Auto & Renters Insurance. Green Benefits require enrollment.

*APY= Annual Percentage Yield. Subject to change at anytime, will change quarterly.

**MHV members enjoy surcharge free ATM transaction through the following networks: CU24, COOP, SUM and Publix Supermarkets.

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