Chesterfield Federal Credit Union


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Checking Accounts

Chesterfield Federal Credit Union offers one of the best checking accounts in Chesterfield! From our basic fee-free checking account to the higher yields on our Money Market Checking, we are guaranteed to have an account that fits your needs.

Share Draft Checking
Tired of hidden fees? Our checking account is fee-free with typical use. No minimum balance. No maintenance fees. No debit card fees. No direct depit requirements. Just free checking.

There are no monthly service charges or per-check fees on your checking account.

Plus, you get your first 50 checks for free. With free online banking, free online bill payer^{^} and a free debit card, you can't beat our checking accounts!

Overdrafts on your checking account may be covered by share transfers from your savings account, not to exceed 6 per month. Overdrafts not covered by share transfers from your share savings account will be assessed a fee and may cause your account to be closed.

Fees
Overdraft Fee - $29.00
NSF Fee - $29.00
In-Branch Stop Payment Fee - $25.00
Net24 or Dial24 Stop Payment Fee - No Charge

^ Free online billpayer is free with enrollment in e-statements and with an active debit card. If these conditions are not met, the monthly charge is $4.95.

Money Market Checking
A Money Market Checking Account offers our members the opportunity to earn higher rates on their balances and have the convenience of writing checks on the account.

A minimum initial investment of $1,000 is required. Rates are declared monthly. Interest is paid monthly based on the average daily balance each month.

There can be up to six withdrawals out of the account per month. After that, there is a fee of $5 each.

The Money Market Checking Account cannot be pledged as collateral for loans from the Credit Union. Some restrictions apply; please refer to the Truth in Savings Disclosure and Account Agreement.

Fees
$5.00 per withdrawal in excess of 6 per month.
$5.00 if balance falls below $500.00 anytime during the month.
NSF Fee - $29.00

Ordering Checks
Members can order checks for their checking account online through Harland Clarke. From basic check duplicates to full color special design checks, you are sure to find a check design that fits your personality! You can even put your own pictures on your checks. Order your checks online on Net24 Home Banking.

Current Money Market Checking Rates & Yields
	Rate	APY¹	Balance Requirements²
Money Market Checking	.05% .15% .30%	.05% .15% .30%	$100 - $4,999.99 $5,000 - $24,999.99 $25,000+	More Info

^{TERMS &
CONDITIONS

1}Annual Percentage Yield ² To earn stated APY
All savings accounts are variable rate and as such,
rates are subject to change at any time without prior notice.
The APY is accurate as of 10/1/2011.
Fees or other conditions may reduce earnings.
Please consult a credit union employee for more information.

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