Members Choice
What is the account type?
1002
What are the Service fees and Minimum Balance for this account
None, None
How much is the opening balance
1000
This cost 25$ to open up what is it called(It is not Secure Checking)
Opening Balance
What is the 10$ monthly fee called?
Service Charge
What is a members choice account?
A savings account that can be named bu the member and used toward any goal they wish.
What are the requirements for a member to open this account
Members must have an eligible checking account, and a debit card to qualify for a a save the change account now know as SPIRAL-CUTX ONLY
How many terms does this certificate. Name in order
6,12,18,24,36,48,60
What is the minimum Balance of this account
None
How much does it cost to open this account
25$
Members may have money deposited directly into their accounts with payroll deduction,internal transfer,or external transfers. DIRECT DEPOSIT IS NOT AVAILABLE.
what is the called?
Automated Deposits
Current Rates and Fees can be found on the trust in saving disclosure. Interest is paid at the end of each month and is based on the average daily balance. What is this Called?
Interest Rates
How many deposits are available before maturity
Deposits are not allowed except at Maturity
What is the Definition of this account
A Secure checking account offer an opportunity for checking services with excellent benefits for primary members and joint owners.
What is an Itemized monthly statements that are available and can be received by a postal mail for a normal fee or to view statements online.
Statements
What are both the benefits of this account?
Saves you money with no monthly fees or minimum balance requirements.
Saves you time with having access to liquid funds for personalized uses.
What are statements?
Monthly and EOY statements that are available through OLB.
What is Maturity and Renewals
7 Days calendar for members that gives a grace period from the date of maturity to change the terms of their CD
This account charges 6$ monthly but who is this fee waived for?
Students ages 12-25 yrs old and waived for members in the East Texas Market
What is a feature that gives a credit score simulator and real life time alerts?
Access to Transunion Credit report
Members can conduct unlimited withdrawals or transfers via online banking, Mobile Banking app, or as ATM transactions(does not include transactions conducted by the ITM department).
What is the name for this?
Withdrawals and Transfers
What are the Deposits, Withdrawals, and Transfers of this account?
Debit card transactions are rounded up to the nearest dollar and the rounded-up amount is automatically transferred nightly to the STC account. Members are allowed unlimited transfers out of the account, but are limited to 12 Withdrawals annually. A 5$ excessive share withdrawal fee is charged after the 12th withdrawal during a calendar year.
What is the definition of the Statements in the Certificates of Deposit
Statements are available Monthly. Members have the choice to receive Stament by postal mail(for a normal fee) or to view eStatements online.
What is the Overdraft Protection and Privilege Pay
Allows members to overdrafts funds from their accounts if needed. Each transfer is 5$. Privilege is allowed up to 800$ should members not have funds to cover transactions. Privilege Pay is 35$ and features are allowed after 60 days.
What are all the benefits of this checking account?
Saves You money
Offers Free of Mind
Saves You time