Checking Accounts

	Student Checking (Ages 10-18)	Basic Checking	Advantage Checking (Ages 18+)
Monthly Service Fee	NO Monthly Service Fee	NO Monthly Service Fee	NO Monthly Service Fee
Minimum Balance Requirements	NO Minimum Balance Requirements	NO Minimum Balance Requirements	NO Minimum Balance Requirements
Transaction Requirements	NO Minimum Transaction Requirements	NO Minimum Transaction Requirements	NO Minimum Transaction Requirements
Dividends	Balances of $5 or more	Balances of $1,000 or more	No
ATM Fees	NO ATM Fees*	$1 per transaction for out-of-network ATMs*	NO ATM Fees*
NSF or Overdraft Fees	NO Fees	$5	$5
Replacement Debit Card Fee	NO Fee	$10	$10
Cell Phone Protection	No	No	Yes¹
24/7 Roadside Assistance	No	No	Yes
ID Theft Protection	No	No	Yes
Emergency Travel Assistance	No	No	Yes
Pet Coverage	No	No	Yes

DuGood checking accounts can be enhanced with Overdraft Protection, which allows an automatic transfer of funds from another account of your choice. This helps avoid embarrassment when you try to make a purchase but don't have enough funds in your account.

A $5 fee per transfer (max of one fee per day) will apply. Overdraft Protection excludes Money Market Accounts.

*Not all overdrafts are guaranteed. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing. After 15 consecutive days of the account being overdrawn, account restrictions will apply. Overdrafts must be paid in full within 45 days.

We authorize and pay overdrafts for members 18 and older at our discretion for checks and other transactions made using your checking account number, automatic bill payments, ACH transactions, and other electronic funds transfers. You also have the option to opt-in for courtesy pay for ATM transactions and debit card purchases.

*Courtesy Pay covers certain overdrafts up to approved limits. A fee of $30 per transaction will apply. Not all overdrafts are guaranteed. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing. After 15 consecutive days of the account being overdrawn, account restrictions may apply. After 30 consecutive days of loan delinquency, Courtesy Pay will be restricted. Overdrafts must be paid in full within 45 days.