Checking Accounts

Checking Accounts With No Minimum Deposits

QUICK CASH CHECKING ACCOUNT

• Unlimited free transactions at CU Anytime or CO-OP ATMs

YOUNG ADULT CHECKING ACCOUNT (AGES 18-25)

• Choose Money Manager or Quick Cash Checking
• eStatements and eNotices are required
• Request one Non-Sufficient Funds (NSF) refund per quarter

EASY ACCESS TO YOUR FEDERAL CREDIT UNION CHECKING ACCOUNT

• Register for online banking to schedule and pay bills, categorize spending, and more.
• Download Sunward's free mobile app for your smartphone or tablet.
• Use your complimentary debit card to access your funds anywhere Mastercard^® is accepted, and add it to your mobile wallet.
• Withdraw cash at more than 30,000 surcharge-free ATMs nationwide.
• Mastercard Zero Liability means you won't be responsible for any fraudulent activity on a lost or stolen debit card if you report it to Sunward promptly.
• Additional shopper benefits for debit card purchases include Price Protection, Extended Warranty, and Satisfaction Guarantee. Learn more.

STRUCTURE YOUR CHECKING ACCOUNT YOUR WAY

• Open a maximum of four checking accounts, two each of Money Manager and Quick Cash, at no charge. Additional accounts are $5 per month; there is no charge if you are signed up for eStatements.
• Establish direct deposit and automatic withdrawals for quicker access to your paycheck and to make regular payments.
• Set up Overdraft Protection for free automatic transfers from your savings account to prevent overdrawing your account.
• Courtesy pay for your checking account could help prevent your transaction from being declined if funds from your designated overdraft protection account(s) are depleted. Learn more below.

COURTESY PAY

Courtesy pay is a courtesy service that may allow overdrafts of your checking account for certain transactions. This means even if you don’t have money available in your checking account, Sunward may still authorize and pay automatic bill payments and other transactions that result in overdrafts to your account.¹ Courtesy pay may even cover overdrafts of everyday debit card transactions (excluding ATM withdrawals) if you opt for this coverage.

When you take advantage of courtesy pay, you will be assessed an NSF fee for each overdraft. Sunward’s NSF fee is $25; it is only charged if the account is negative more than $25, and we will not charge more than six NSF fees per account per day.

To learn more about overdraft protection and courtesy pay, or to review your courtesy pay coverage, call 800.947.5328 or 505.293.0500, or visit any Sunward branch.

ADDITIONAL CHECKING ACCOUNT BENEFITS WITH eSTATEMENTS AND eNOTICES

Sign up for both eStatements and eNotices with any type of checking account, and you will receive an unlimited number of checking accounts for no additional monthly fee.

¹ Sunward pays overdrafts using courtesy pay at our discretion, which means we do not guarantee that we will always authorize and pay any type of overdraft transaction. Limits on courtesy pay amounts apply.