Minimum Opening Deposit
A $20.00 deposit is required to open this account.
Monthly Service Fee
The Monthly Service Fee of $17.50 can be waived by maintaining a minimum daily balance of $10,000.00.
Annual Percentage Yield (APY)
The account earns 0.25% for balances over $10,000.00.
Debit Cards & Using ATMs
This account includes 'Purchase Rewards' to put money back into your account based on your debit card usage. Earn cash back when using your debit card at certain retailers. There is no annual fee for this program.
Surcharge-Free ATM Access
Surcharge-free ATM access is available at any Publix location (up to 10 transactions per month) and other specified shared service credit unions.
Non-affiliated ATM Usage Fee
There is a $1.50 ATM fee when using a non-affiliated ATM.
International ATM Usage Fee
The fee is equal to up to 2.00% of the total amount withdrawn.
Electronic & Telephone Banking
Online Bill Pay
If you do not use SecureLink Bill Pay once a month you will be charged a $4.95 fee.
Mobile & Text Banking
This institution supports:- A mobile-browser website to view account balances, view recent activity, transfer funds, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
Deposit Checks with Mobile Phone
This mobile deposit application is available for iPhone and Android mobile devices.
This Email Alert feature enables you to receive:- Reminders that bills are coming due for payment;- Confirmation that bills have been paid;- Statement is ready for online viewing.
Included with Online Banking
Automated Phone Banking
Checks & Statements
Unlimited Check Writing
Free or Discounted Checks
Monthly Paper Statements
There is a $2.00 monthly fee to receive paper statements.
Check Images with Statements
By receiving monthly statements electronically, you will not receive monthly statements in the mail.
Online Check Images
You can view canceled checks online for 6 months.
Overdrawing the Account
Negative Balance Fee
There is a $10.00 fee for a negative balance after 10 calendar days with less than a $0.00 balance.
Returned Item Fee / Courtesy Pay Overdraft
The Returned Item Fee is $35.00 per overdraft. If you opt-in for Courtesy Pay Overdraft Protection, there is a $35.00 fee for all items paid. There is no fee if your negative balance is less than $10.00.
This checking account has 2 options for Overdraft Protection.From a linked Savings Account:- Funds are transferred to bring the account balance to $0.00.From a linked Overdraft Line of Credit:- Funds are transferred to bring the account balance to $0.00.
About Power Financial Credit Union
Power Financial Credit Union, a member-owned financial institution, has been serving the South Florida community for more than 60 years. Power Financial Credit Union is unique because we are a financial cooperative. You'll enjoy great rates, low to no fees and many other outstanding member benefits. You can also take pride in the fact that Power Financial Credit Union believes in giving back to the community through charitable contributions and volunteer efforts. Since we are a financial cooperative, you are an owner and play an active part in the future of the organization. Our success comes from delivering value to you, as opposed to a bank that focuses on delivering value to its shareholders.