SHARE (Savings) ACCOUNTS
Deposits can be made:

• In person at the credit union
• By mail (Checks or Money Orders only)
• Payroll Deduction • Direct Deposit (Social Security, Pensions, Tax Returns, etc.)
• Wire Transfer • Night Drop Box

Withdrawals can be made:

• In person at the credit union
• ATM-at credit unions, banks, supermarkets, etc ($300/day limit applies)
• ACH-pay bills, insurance, etc.
• Online Banking-a check will be mailed to you
• Click here for a list of No Surcharge ATMs in Nebraska

Dividends paid on share accounts are based on the Credit Union’s earnings at the end of a dividend period (Quarter) and cannot be guaranteed.

SHARE DRAFT (Checking) ACCOUNTS
$100.00 minimum balance is needed to avoid a monthly service charge. You need only be an active member to take advantage of this service.

• $5.00 Minimum balance fee assessed if your account falls below $100.00 anytime during the month.
• No per transaction fee
• Checks are furnished at cost
• Visa check card available

Deposits can be made in the same manner as share accounts: In person at the credit union, direct deposit, payroll deduction, mail, over the phone from a share account.

CHRISTMAS CLUBS
Christmas clubs are established for the purpose of giving the member a means by which he/she can save money for Christmas. The account will pay a dividend consistent with our Regular Share account (depending on earnings). To earn a dividend, the account must have a minimum balance of $1.00. Account may be opened beginning after the Christmas holiday. The money will be available for withdrawal from October 1st until the day we close for Christmas. If a member chooses to withdraw funds early, he/she must withdraw all funds and the account will be closed.

VISA CHECK CARD For members having a checking account, a Visa Check Card is available. Using this card enables the member to make purchases, the amounts, which are deducted directly from the member’s checking account balance. In addition, this card may be used at any ATM to withdraw funds from either shares or share drafts account.

ATM CARD For members having only a savings account this card can be used at an ATM to withdraw funds.

SHARE OVERDRAFT PROTECTION Share overdraft protection is available to help in the event of error or emergency. This service is available with your regular share account only. The credit union will withdraw funds from the regular share account to pay non-sufficient checks. Transfers will be made to cover checks leaving $0.00 in the share draft account.