Checking Accounts - Concho Educators FCU

Concho Educators FCU
1-325-944-4809
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Accounts

Checking Accounts
eChecking Icon
e-Checking


Monthly Service Fee
$0

Opening Deposit
$25

Minimum Balance
$0

Courtesy Pay
Up to $400*

Dividends Paid
Not a dividend bearing account

Bill Pay Service
Not Available
(Must upgrade to Choice Checking)

Requirements
Membership Account (Savings)
e-Statements

Checking Icon
Value Checking


Monthly Service Fee
$3

Opening Deposit
$25

Minimum Balance
$0

Courtesy Pay
Up to $400*

Dividends Paid
Not a dividend bearing account

Bill Pay Service
Not Available
(Must upgrade to Choice Checking)

Requirements
Membership Account (Savings)

Checking Icon
Senior Advantage


Monthly Service Fee
$1

Opening Deposit
$25

Minimum Balance
$0

Courtesy Pay
Up to $400*

Dividends Paid
On Balances Over $200**

Bill Pay Service
Not Available
(Must upgrade to Choice Checking)

Requirements
Membership Account (Savings)
Must be age 65 or over

Checking Icon
Choice Checking


Monthly Service Fee
$6

Opening Deposit
$25

Minimum Balance
$0

Courtesy Pay
Up to $400*

Dividends Paid
On All Balances**

Bill Pay Service
Yes


Requirements
Membership Account (Savings)

*Must apply and be approved.  Requires direct deposit to checking account.
**Dividends are set the last month of each quarter by the Board of Directors.

Overdraft Courtesy Pay

When items try to clear an account with insufficient funds, Overdraft Courtesy Pay will pay each item up to the overdraft limit.  Should you use Overdraft Courtesy Pay, the item will be paid and your account will be charged a fee for each item.  This is the same fee we charge for insufficient-fund checks that are returned unpaid (See Rate & Fee Schedule).  Overdraft Courtesy Pay Privilege is not a line of credit.  If you have overdraft protection already set up to come from another account or from a line of credit loan, these services will be accessed before the Overdraft Courtesy Pay is used.  If you do not have these overdraft protection alternatives or there is not enough funds available in them to cover the item, the Overdraft Courtesy Pay will normally cover your overdraft (including the fee for each item) up to $400, and your account will show a negative balance.  If the amount exceeds $400, the item will be returned unpaid, and an insufficient funds fee will be charged to your account.  You must bring your account to a positive balance at least once every 30-day period.

Your savings federally insured to at least $250,000 and backed by the  full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency.We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS#716532
Copyright © 2017 Concho Educators Federal Credit Union. All Rights Reserved.
Fee Schedule
National Credit Union Administration
Equal Housing Lender
About Us
Your savings federally insured to at least $250,000 and backed by the  full faith and credit of the United States Government National Credit  Union Administration, a U.S.Government Agency.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
National Credit Union Administration
Equal Housing Lender
National Credit Union Administration
Equal Housing Lender
Concho Educators
ACH Routing # 311387865
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