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 Member Services Center
   (432) 333-5600
   (800) 322-7242
   (432) 333-5622
   (800) 477-2188

Free Checking Account Business Checking Account
- No minimum required balance
- Free online bill pay service
- No per-check charge
- Overdraft protection available
- VISA check card
- Direct deposit and payroll deduction
- Free Notary Service
- $200 minimum opening balance
- Free Internet Bill Pay
- Free Visa Check Card
- 5 free check copies per month
- Duplicate checks offered so you have a copy of checks written
- $500 Courtesy Pay available
- Unlimited check writing privilege
- Free change orders
- Free Financial Fitness Planning Advisor

    Monthly service fee of $10.00 if average daily balance is less than $1,000 
Money Market Kids' Account
- Interest compounded daily and paid monthly
- No account limitations on withdrawals or deposits
- $2,500 minimum balance to earn dividends based on average daily balance
- Dividend rate posted with Rates & Fees
- Minimum balance to earn dividends: $5.00
- Available to all members under the age of 18.
- Unlimited deposits and withdrawals with parental authorization.
- Dividends compounded monthly and paid quarterly.
- Legal guardian / parent / adult must be joint owner of the account.
- Dividend rate posted with Rates & Fees
Christmas / Vacation Account  
- Savings accounts available for regular deposits through payroll deduction or automatic transfers.
- Minimum balance to earn dividends is $500.00
- Interest compounded monthly and paid quarterly
- Vacation account withdrawals can be made from May 1st to July 31st without penalty
- Christmas account withdrawals can be made from November 1st to
- December 24th without penalty
- Penalty for early withdrawals is closure of account until the first business day of the next year
- Dividend rate posted with Rates & Fees