Minimum Opening Deposit
Account may be opened with a deposit of any amount.
$0.00
Monthly Service Fee
None, but to earn rewards you have to have at least 10 debit card purchases post and settle, be enrolled and receive eStatements, be enrolled and log into Online banking and have at least a ACH or Direct Deposit post and settle
$0.00
Annual Percentage Yield (APY)
The account earns 3.04% interest for balances up to $15,000.00. It earns 3.04% to 0.25% on balances over $15,000.00 depending on balance in account and if qualifications are met. If qualifications are not met, the APY is 0.01%
3.04%%
Debit Cards & Using ATMs
Debit Card
$0.00/yr
ELGA Relationship Rewards program
This account includes 'ELGA Relationship Rewards program' program to earn points for gifts and other items. There is no annual fee for this card.
$0.00/yr
ATM Fee Reimbursements
This account includes rebates of ATM fees when you use non-affiliated ATMs with the following limits:- Up to $20.00 total in rebates per month.Rebates are credited to your account at the end of the statement cycle.To qualify, you must meet the same minimums required to receive other incentives.
Yes
Surcharge-Free ATM Access
Surcharge-free ATM access is available at all Co-Op Network and MoneyPass Network ATM locations.
Yes
Non-affiliated ATM Usage Fee
There is a $1.00 fee each time you use a non-affiliated ATM after 4 uses per month. You can avoid this fee by using any Co-Op Network and Money Pass ATMs.
$1.00/per use
International ATM Usage Fee
There is a $1.00 fee each time you use a non-affiliated ATM. Additional exchange fees may apply.
$1.00/per use
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
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, receive alerts;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills;- An Android application to view account balances, view recent activity, transfer funds, pay bills.
Free
Deposit Checks with Mobile Phone
No Fee
Free
Person-to-Person Payments
$1.00 fee thru PayPal
$1.00/payment
Email Alerts
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- An email to let you know there's a secure message for you in Online Banking;- Priority Online Account notifications (i.e., change of password).
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
No
Monthly Paper Statements
$3.00 fee for Paper Statements
$3.00/month
Check Images with Statements
Not Included
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online.
Yes
Overdrawing the Account
Returned Item Fee
The Insufficient Funds Fee is $15.00 per overdraft.
$15.00/per item
Overdraft Protection
This checking account has one option for Overdraft Protection.From a linked Savings Account:- Transfer fee of $5.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.
Available
About ELGA Credit Union
From their website: "Our goal is that ELGA Credit Union members feel that their credit union is a superior financial institution." ELGA Credit Union began in 1951 and currently has over 38,000 members. They operate 8 branches in Flint and its surrounding area, offering deposit, loans, investment, and insurance services.