Compare Checking Accounts

	Interest Checking	Simply Smarter Checking	Free Checking
Opening Requirement	$1 minimum opening balance	$1 minimum opening balance	$1 minimum opening balance
Debit Card	Free	Free	Free
Online Banking	Free	Free	Free
Online Bill Payer	Free	Free	Free
e-Statements	Free	Free	Free
ATM Transactions	Free FAIRWINDS, Presto!, CU Here & all out of network ATMs*	Free FAIRWINDS, Presto!, CU Here & all out of network ATMs*	Free FAIRWINDS, Presto!, CU Here
Checks	Free FAIRWINDS custom checks	Free FAIRWINDS custom checks	None
Minimum amount required to avoid monthly service fee	$25,000 combined deposit and loan balance, or $10,000 in savings and checking.	$7,500 combined deposit and loan balance, or $1,000 in savings and checking.	None
Monthly Service Fee	$25.00 Waived with minimum balance	$10.00 Waived with minimum balance	None
Interest	Tiered Interest Rates	None	None
Overdraft Fee	None	None	$5 per daily occurrence
Additional Benefits	Free money orders and official checks Qualifies for High Tier Money Market Account	Free money orders and official checks	None
	Interest Checking Information	Simply Smarter Information	Free Checking Information
	Checking Accounts Introduction

*A fee may be charged by the owner of the ATM

Switch Checking Account Types
Want to switch from one checking account type to another? It's as easy as stopping by one of our branches or calling Member Services at (407) 277-5045. Members may freely switch between Free Checking, Simply Smarter and Interest Checking. The full amount for any applicable service charges will be applied for the month that the checking account was under a certain type. If members switch from a Preferred or Basic checking account they may not switch back to a Preferred or Basic Checking account.

Additional Information, Products and Services

• Legacy Checking Accounts
  These are checking accounts types (Preferred and Basic) that are still open for many members, but have been discontinued.
• Order Checks
  Order checks online, by calling or visiting a branch.
• Debit Cards
  A Cash Direct™ Check Card looks like a credit card but works like a check.
• Check 21 and Your Checking Account
  The Check Clearing for the 21st Century Act (Check 21) is designed to speed up and reduce costs involved with the check cashing process.
• Account Reconciliation
  Knowing how much money you have in your account is the best way to protect yourself from the cost and embarrasment of an NSF. However, your account balance isn't what you have in your account right now. You must also factor in any transactions that haven't cleared yet.
• Overdraft Protection
  Overdraft protection may be linked to your checking account at no charge. The amount needed to cover a check can be transferred from a savings account or personal line of credit.
• Regulation D limitations
  Members are limited to a set number of transactions that are completed away from a branch or ATM location.