Minimum Opening Deposit
Account may be opened with a deposit of any amount.
Monthly Service Fee
The Monthly Service Fee of $10.00 can be waived by:
- Maintaining a minimum daily balance of $2,500.00;
- Maintaining an combined average daily balance of $5,000.00;
- Having at least $500.00 Direct Deposit each month.
Annual Percentage Yield (APY)
The account earns 0.05% interest.
Debit Cards & Using ATMs
This account includes 'Purchase Rewards' to put money back into your account based on your debit card usage. There is no annual fee for this card.
Non-affiliated ATM Usage Fee
There is a $1.50 fee each time you use a non-affiliated ATM
International ATM Usage Fee
There is a $1.50 fee each time you use a non-affiliated ATM. There is an additional international transaction fee between 0.08% and 0.10%.
Electronic & Telephone Banking
Online Bill Pay
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity, transfer funds;- 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, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
Deposit Checks with Mobile Phone
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- Notice of deposits or withdrawals over a certain threshold.
Included with Online Banking
Automated Phone Banking
Checks & Statements
Unlimited Check Writing
Free or Discounted Checks
Monthly Paper Statements
Check Images with Statements
Online Check Images
Images of canceled checks can be viewed online for 12 months.
Overdrawing the Account
Returned Item Fee
The Insufficient Funds Fee is $29.00 per overdraft.
This checking account has 2 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $3.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.From a linked Overdraft Line of Credit:- Transfer fee of $3.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.
About Xceed Financial Credit Union
From Xceed FCU's website: "Xceed Financial is a financial institution, open to serving new members from all walks of life and business. But first and foremost, we are a credit union. That means a couple of things. One, we are a member-owned and operated - giving you a personal say in how we do what we do. Two, we are not-for-profit. So the revenue we do earn goes back to our members A.K.A. you in the form of lower rates and fewer fees."