Minimum Opening Deposit
This account requires a direct deposit. A $100.00 deposit is required to open this account.Please note: If you don't qualify for membership through your employer, you can still join by donating to a participating organization. See www.xfcu.org for details.
$100.00
Monthly Service Fee
The Monthly Service Fee of $7.00 can be waived by:
- Maintaining a minimum daily balance of $500.00;
- Maintaining an combined average daily balance of $2,500.00;
- Having at least $500.00 Direct Deposit each month.
$7.00
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Purchase Rewards
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.
$0.00/yr
Non-affiliated ATM Usage Fee
There is a $1.50 fee each time you use a non-affiliated ATM.
$1.50/per use
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%.
$1.50/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, 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.
Free
Deposit Checks with Mobile Phone
Free
Email Alerts
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
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
No
Monthly Paper Statements
Yes
Check Images with Statements
Not Included
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online for 12 months.
Yes
Overdrawing the Account
Returned Item Fee
The Insufficient Funds Fee is $29.00 per overdraft.
$29.00/per item
Overdraft Protection
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.
Available
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."