Personal Banking

• Minimum opening deposit: $100.00
• No Minimum Balance Required
• No monthly service charge
• Interest-bearing account for balances over $2500.00
• Personalized Checks (2 free boxes of checks per year)
• No issue fee on Money Orders
• Free online banking (*does not include Billpay)
• Overdraft Line of Credit (*Credit Qualifications Apply)
• Up to $5,000 Identity Theft Expense Reimbursement Coverage² – to cover expenses associated with restoring your identity. Need to file a claim? Call 1-866-210-0361
• Fully Managed Identity Theft Resolution Services – access to a dedicated fraud specialist assigned to manage your case until your identity is restored.
• Credit File Monitoring³ – daily credit file monitoring and automated alerts of key changes to your Experian, Equifax, TransUnion credit reports. (registration/activation required)
• Credit Report – ability to request a triple bureau report every 90 days or upon opening a resolution case. (registration/activation required)
• Credit Score⁴ – ability to request a single bureau score every 90 days. (registration/activation required)
• Accidental Death and Dismemberment Insurance² — Receive up to $10,000 of 24-hour Accidental Death and Dismemberment Insurance.
  Accidental Death and Dismemberment Insurance coverage increases to $100,000 while traveling on a Common Carrier, as defined in the insurance certificate. (Accidental Death and Dismemberment Insurance coverage does not reduce.) Need to file a claim? Call 1-866-210-0361
• Cellular Telephone Protection² – Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Up to two claims and maximum of $600 per eligible account, per twelve-month period. Covers up to three phones on a cellular telephone bill. (Cellular telephone bill must be paid using eligible account.) Need to file a claim? Call 1-866-210-0361
• Cash Back Member Rewards – Start receiving Cash Back Member Rewards today! You can earn 10% cash back on your everyday purchases – such as groceries, household supplies, and entertainment. Save your receipts and submit quarterly ($100/qtr) for a total of up to $40 cash back rewards per year.

1.Benefits are available to personal checking account owner(s) and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or
churches and their members, or schools and their employees/students.
2. Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of
insurance. Guides to Benefit and insurance documents are enclosed and can be found online at www.ayeee.eClubOnline.net or through the eClub mobile app. If you wish to name a beneficiary for your accidental death and dismemberment insurance coverage, please complete a beneficiary form. If there is no designated beneficiary on file, benefits will be paid according to the Master Policy. As an eligible account holder, you are enrolled as a member of the Econocheck Association, of which your financial institution is a sponsor. For more information, please visit www.ayeee.eClubOnline.net or call 866-210-0361. Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.
3. Credit file monitoring may take several days to begin following activation.
4.Credit Score is a VantageScore 3.0 based on single bureau credit data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.