Classic Checking accounts may be eligible for "Paid 4 You" courtesy pay after the account has been open for 90 days.  If eligible for "Paid 4 You", the member pays a ($30 per item) fee for overdrafts.  Member has 15 days to pay the account out of the negative balance to keep "Paid 4 You".  Member must not be more than 15 days late on a loan to keep "Paid 4 You" privileges.  Member must also make at least a $100 monthly deposit to keep the "Paid 4 You" privilege.  Because of the (per item) fees, a member may choose one of the following Pay Day Checking options that charges a monthly service charge instead of the per item fee charges (up to specific limits as listed below).

Pay Day Checking - 300 (good deal for members who keep a low checking balance and sometimes overdraw the checking account). Member may be able to overdraw up to $300 maximum without paying (per item) fees for only $19 per month.  See exceptions listed below.

Pay Day Checking - 600 (good deal when two joint account holders use multiple checkbooks and debit cards on the same account and sometimes overdraw the checking account).  Member may be able to overdraw up to $600 maximum without paying (per item) fees for only $29 per month.  See exceptions listed below.

Pay Day Checking Exceptions:  Member must make at least a $100 deposit each month in the account, pay the account out of the negative every 30 days, and keep the loans from going over 15 days past due.

Small Business Share Draft Account
15 Share Drafts per month with no service charge.  No minimum balance.