"Free College Checking" from Ent Federal Credit Union

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The Basics

Minimum Opening Deposit
 
 $0.00
Account may be opened with a deposit of any amount.
Account Restrictions
 
 Students
You must be a student to open this account.
Monthly Maintenance Fee $0.00
Annual Percentage Yield (APY)
 
 0.05%
The account earns 0.05% interest.

Debit Cards & Using ATMs

Debit Card with Rewards
 
 $0.00/yr
Rainbow Rewards offers cash back on purchases at participating merchants. All debit cards are automatically enrolled in this program.

Visa also provides a special offers program for discounts on purchases from select merchants.
Debit Card $0.00/yr
Surcharge-Free ATM Access
 
 Yes
Surcharge-free ATM access is available at all Co-Op Network ATM locations.
Non-affiliated ATM Usage Fee
 
 $1.50/per use
No charge for withdrawals from ENT and CO-OP Network ATMs. Your first 4 ATM withdrawals from other ATMs each month are free. Each additional foreign ATM withdrawal that month is $1.50.
International ATM Usage Fee
 
 $1.50/per use
There is a $1.50 fee each time you use a ATM in another country. In addition, there is a fee calculated as a small percentage of the total amount withdrawn.

Electronic & Telephone Banking

Online Banking
 
 Free
ENT's online banking offers budget tracking software to help you meet your financial goals. They also allow you to make transfers between your ENT accounts and accounts you have at other financial institutions.
Email Alerts
 
 Included with Online Banking
This Email Alert feature enables you to receive:
- Warnings when your balance falls below a certain threshold;
- Alerts when a transaction of a certain size occurs;
- Notifications when particular checks clear.
Online Bill Pay Free
Mobile & Text Banking
 
 Free
This institution supports:
- A text messaging service to view account balances, view recent activity;
- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;
- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, deposit checks, locate ATMs;
- An Android application to view account balances, view recent activity, transfer funds, pay bills, deposit checks, locate ATMs.
Deposit Checks with Mobile Phone
 
 Free
This feature is available on the iPhone and Android mobile application.
Automated Phone Banking Free

Checks & Statements

Unlimited Check Writing Yes
Free or Discounted Checks No
Monthly Paper Statements $2.00/month
Check Images with Statements Not Included
Online Statements Yes
Online Check Images
 
 Yes
Images of canceled checks can be viewed online.

Overdrawing the Account

Returned Item Fee
 
 $25.00/per item
The insufficient funds fee is $25.00 per overdraft.
Overdraft Protection
 
 Available
This checking account has 2 options for Overdraft Protection.
From a linked Savings Account:
- No transfer fee.
- Funds are transferred to bring the account balance to $0.00.
From a linked Overdraft Line of Credit:
- No transfer fee.
- Funds are transferred in $100 increments.

Savings and Money Market Accounts

Savings Account
 
 No Fee
'Savings Account' requires $5.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.10% on all balances
Money Market Savings Account
 
 No Fee
'Money Market Savings Account' requires $2,500.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.10% at minimum balance to earn interest;
- 0.10% at minimum balance to avoid fees;
- 0.20% at $25,000.00
*Variable rate may change; Please contact Ent Federal Credit Union to confirm rate; Fees may reduce earnings.

How To Reach Ent Federal Credit Union

Go To Website: Ent Federal Credit Union
Call: (800) 525-9623

Ent Federal Credit Union Locations

 

Branches

Colorado

About Ent Federal Credit Union

While banks have customers, credit unions have members. At Ent, you are one of the owners of a not-for-profit financial cooperative. We pass our net earnings back to our members in the form of higher dividends on savings, lower rates on loans, and lower fees (or no fees) for services.
Ent membership means more than just getting a great deal, its about partnering with a trusted resource for quality service, honest advice, and tools to help you succeed. Supporting your financial success, just one more reason why Ent is where you belong.

 

How We Get Our Information

We conduct our own research for the largest US banks and we audit the information provided by community banks and credit unions.

Our branch location database is sourced from the FDIC and is updated with information provided by banks and credit unions.

We make best efforts to maintain accurate data, but we suggest you verify this information prior to opening an account.

All deposit accounts in FindABetterBank are insured by the FDIC or NCUA.

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