FREE Checking:

• Free checking means no hidden fees or monthly service charges.
• Members pay only for their checks.
• No minimum balance requirements, no per check charge or monthly fee.
• Use the Visa Debit (Check) Card for direct access to your checking account.
• Overdraft option protects your account from insufficient funds charges; overdraft to your savings account or to a line of credit for maximum protection.
  (Overdraft transfers will incur a small fee.)
• No-Bounce checking service automatically extended to qualified members.
  (No-Bounce service will incur a fee.)

Choice Checking:

• Earns dividends, compounded and credited monthly
• Monthly service charge ($6) waived for average daily balance of $2,500+
• Use the Visa Debit (Check) Card for direct access to your checking account.
• Overdraft option protects your account from insufficient funds charges; overdraft to your
  savings account or to a line of credit for maximum protection.
  (Overdraft transfers will incur a small fee.)
• No-Bounce checking service automatically extended to qualified members.
  (No-Bounce service will incur a fee.)

E-Membership Checking:

• For those who prefer electronic access and transactions.
• Free on-line Bill Payer Service
• Free Network ATM transactions
• Free replacement of Debit/Cache Card
• Refund of ATM surcharge fees up to $5 per month (receipts required)
• Use the Visa Debit (Check) Card for direct access to your checking account.
• Overdraft option protects your account from insufficient funds charges; overdraft to your
  savings account or to a line of credit for maximum protection.
  (Overdraft transfers will incur a small fee.)
• No-Bounce checking service automatically extended to qualified members.
  (No-Bounce service will incur a fee.)

To qualify for e-Membership, you must receive your statement electronically through e-Statements and use electronic channels (MHV Visa Check Card, Internet Home Banking, EARS and ATMs) whenever available. A $2 charge per transaction will be assessed each time you have a lobby teller or the Contact Center perform a transaction that you could have done yourself using an e-channel. (Transactions like money orders, travelers checks, official checks and savings bonds that are not self-service are exempt from this charge.)