• Only a minimum balance of $ 25.00 needed to open the account
• 2 Boxes of Free GEM Checks per calendar year
• Unlimited check writing privileges
• Overdraft protection available through savings
• Discretionary Courtesy Pay Check Protection (qualified members)
• Access to retail discounts
• Pays highest dividend rate of all checking account options
• Convenient ATM access using our PULSE ATM Card or Debit MasterCard (Debit Card)
• Day or Night Account Information with Teller-Line Audio Response
• Free Online Banking access
• Free Online Bill Pay service
• View and print digital copies of cleared checks online
• E-Statements
• $ 15,000+ Accidental Death & Dismemberment Insurance Coverage
• Up to $ 1,250 cash for In-Hospital stays due to accident
• Free Life Insurance (up to $ 1,000)
• Free Money Orders
• Free Travelers Checks
• Free Notary Public Service
• Travel Agency Service

*$ 7.50 monthly service charge for regular GEM, $ 3.50 monthly service charge for Senior GEM (55 yrs. and older).  Certain conditions apply on GEM Checking benefits.  Contact the Credit Union for details.