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Checking Accounts

Checking Account Information

Nascoga FCU offers a variety of checking accounts to choose from. They're convenient, practical and hassle-free. Finding the answers to your questions leads you to real people – not an automated response system. We offer friendly, personal service – it's the Nascoga difference!

All of our Checking Accounts allow members access to their funds via paper and electronic devices, such as paper checks, ACH, ATMs, Debit Cards and through the Internet or Telephone.

4U Checking

  • 4 Ages 18 – 25
  • $25 minimum deposit required to open
  • Free monthly service charge
  • Free initial debit card or ATM card mailed to you
  • Free online banking and bill pay
  • Free E-Statements
  • Free access to Teller Hotline
  • Free Mobile Deposit Capture
  • Overdraft protection is available (up to $200)
  • Oops NSF / CP Fee Rebate (1 refund every 6 months upon request)
  • Quarterly Benefits Requirements: Receive E-Statements, Achieve 10 signature based debit card transactions per month, utilize MasterCard (if over 21), MasterCard is current (if over 21)
    • Benefits for meeting requirements: $5 automatically credited to your account and you will be automatically entered into a drawing for a prize valued up to $500* (laptop, PC, tablet, smartphone, etc) or chose to receive $250 cash *one prize per account per year

*Must pass required Chexsystems processing to qualify for account

Bonus Checking (Earns Premium Dividend Rate)

  • $50 minimum deposit required to open
  • $2500 minimum balance to avoid monthly service charge of $10
  • $0.01 - $30,000 will earn bonus dividend rate (balances above $30,000 will be paid at the stated rate for Enhanced Checking) Dividends are compounded and paid monthly
  • Unlimited check writing
  • Free initial debit card mailed to you
  • Overdraft protection is available
  • Free online banking and bill pay
  • Free E-Statements required to earn premium dividend rate
  • 1 Direct Deposit required to earn premium dividend rate
  • Free access to Teller Hotline
  • Mobile Deposit Capture
  • 20 Signature based debit card transactions required monthly (minimum $10)

*Must pass required Chexsystems processing to qualify for account

Free Checking

  • $25 minimum deposit required to open
  • No monthly service charge
  • No minimum balance
  • Free unlimited check writing
  • Free initial debit card or ATM card mailed to you
  • Overdraft protection is available
  • Free online banking and bill pay
  • Free E-Statements
  • Free access to Teller Hotline
  • Mobile Deposit Capture
  • Monthly Statements

*Must pass required Chexsystems processing to qualify for account

Enhanced Checking

  • $25 minimum deposit required to open
  • $100 minimum daily balance to obtain disclosed annual percentage yield, dividends are compounded and paid monthly
  • $300 minimum balance to avoid monthly service charge of $8
  • Unlimited check writing
  • Free initial debit card or ATM card mailed to you
  • Overdraft protection is available
  • Free online banking and bill pay
  • Free E-Statements
  • Free access to Teller Hotline
  • Mobile Deposit Capture
  • Monthly statements

*Must pass required Chexsystems processing to qualify for account

Senior Checking

  • Must be 65 years of age or older
  • $25 minimum deposit required to open
  • No monthly service charge
  • Free checks (1 box per calendar year)
  • Unlimited check writing
  • Free initial debit card or ATM card mailed to you
  • Overdraft protection is available
  • Free online banking and bill pay
  • Free E-Statements
  • Free access to Teller Hotline
  • Mobile Deposit Capture
  • Monthly statements

*Must pass required Chexsystems processing to qualify for account

Fresh Start Checking (If you do not qualify for the above checking accounts we have an account to help you get a Fresh Start)

  • $25 minimum deposit required to open
  • $10 per month service charge / $7.50 with direct deposit
  • No minimum balance
  • Unlimited check writing
  • Free initial ATM card mailed to you (not eligible for debit card)
  • Free E-Statements
  • Monthly Statements
  • Mobile Deposit Capture
  • Not eligible for overdraft protection
  • Eligible to switch to Free Checking after 12 months, if the account is maintained properly

Business Checking

  • $50 minimum deposit required to open
  • $100 minimum daily balance to obtain disclosed annual percentage yield
  • $10 per month service charge
  • No minimum balance
  • Unlimited check writing
  • Free initial debit card or ATM card mailed to you
  • Overdraft protection is available
  • Free online banking and bill pay
  • Free E-Statements
  • Free access to Teller Hotline
  • Monthly statements

Money Market Account

Earn a higher dividend and have access to your money whenever you need it.

  • $2000 deposit required to open
  • Dividends compounded and paid monthly (tiered rates)
  • Monthly Statements
  • Insured Funds
  • 6 free withdrawals per month
  • *Must pass required Chexsystems processing to qualify for account
 
     
 
This credit union is federally insured by the National Credit Union Administration.
     
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