Q: Do I have to be a member to apply for a checking account?
A: Yes, you do. It’s easy and simple. When you apply for a checking account, we will process your membership at the same time. So, you do not have to complete each process separately.

Q: Why is there a minimum balance of $25?
A: The $25-minimum balance is NOT a fee. Our Checking Accounts are FREE. The $25 is to cover the production and shipping cost of your first box of checks.

Q: Why do direct mail companies charge less for personal checks?
A: Our checks are produced by Clarke American Inc., one of the largest check providers in the nation. Unlike direct mail companies, Clarke American Inc. does not sell your personal information to businesses. Clarke American Inc. produces high quality checks, answers phones in person, and most importantly, values your privacy.

Q: How do I make deposits?
A: Make deposits in our lobby, by mail, convenient night-drop, or make automatic deposits through payroll deduction.

Q: Do you offer Overdraft Protection?
A: Apply for a line of credit, and when approved, you will be protected from overdrafts up to your approved limit.

Q: How do I check my balance or make transfers?
A: Use the free Internet Banking, call the free Telephone Teller at 800-808-5802, or call a friendly member service representative at 800-452-6021.

Q: How soon will I receive my new checks?
A: Checks will be delivered within 5 to 7 business days after the order is placed.

Q: How can I re-order my checks?
A: Order online or call Clarke American at 800-355-8123.

Q: Do I get a Debit Card? Do I have access to any ATMs?
A: Yes. With a low annual fee of $5, you will receive a debit card to access more than 2,500 surcharge free ATMs nationwide.