Checking Accounts
Payback
No Hidden Fees
If you’re tired of hidden fees and hassles at banks, this is the account you have been waiting for! We not only give you free ATM transactions, but we will also pay you 10¢ back on all signature-based Debit Card purchases!
Free ATMs worldwide – Use any ATM without additional fees
ATM surcharge rebates of $5.00 or less with a maximum of 6 transactions per month – we’ll rebate you the surcharge at the end of the month*
$0.10 back on each Debit Card purchase**
Free Home Banking – access your accounts 24/7 via our website or telephone
Free Online Bill Pay – pay your monthly bills
Free online check images – see copies of your checks online as soon as they clear your account
Free Mobile App – have the power to view balances, transfer money and deposit checks all at your fingertips
Free “Pay a Person” - send secure person to person payments
Free Instant Issued VISA® debit card – don’t wait for a debit card to be mailed to you. Open an account at our main financial center and walk out with a VISA® debit card in hand
Courtesy Pay – never worry about having a check returned due to non-sufficient funds. Courtesy Pay will cover your checks up to $750.00***
Loan rate discounts – receive a 10 basis point discount on most Prestige loans****
Unlimited check writing/debit card use – use your checkbook/debit card as often as you wish
No monthly fees
No minimum balance
Direct deposit required*****
Direct deposits made up to 2 days early.******
*We rebate any domestic non-Prestige ATM surcharge of $5.00 or less with a maximum of 6 transactions per month. Fees over $5.00 will not receive a partial refund. Refunds are made at month end.
**$0.10 rebates valid on all signature-based debit transactions over $0.99. Select the “Credit” option on all transactions, do not enter PIN. The credit union reserves the right to determine if transactions processed under the $0.10 cash back program are usual and customary. For transactions that are not usual and customary, they are 1) not eligible for the rewards payment and 2) may result in a loss of check card privileges and any accrued rewards cash.
***Account must be open for at least 60 days. A $33.00 fee will be charged per paid item.
****Discount is applied when member selects to make loan payments via automatic draft from a Prestige account. All loans are subject to credit approval.
*****Direct deposit must be made at least monthly. First direct deposit must be made within 60 days of opening the account. Minimum direct deposit amount is $400.00 per month. Direct deposit must be an ACH of an employer paycheck, pension or government benefits. Person to Person or Account to Account transfers are not considered a direct deposit.
******Early direct deposit funds depends on the timing of the payment file from the payer. We make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
Rewards Checking
You’ve Earned a Reward
We think you should be rewarded for loyally using your checking account. What better reward is there than a great interest rate on the money you keep in the account? That’s why we created Rewards Checking just for you. We don’t think you’ll find a better checking product anywhere!
Earns high Annual Percentage Yield on balances up to $15,000.00* (See current rates page)
Free ATMs worldwide – use any ATM without additional fees
ATM surcharge rebates of $5.00 or less with a maximum of 6 transactions per month. We’ll rebate you the surcharge at the end of the month**
Free Home Banking – access your accounts 24/7 via our website or telephone
Free Online Bill Pay – pay your monthly bills
Free online check images – see copies of your checks online as soon as they clear your account
Free Mobile App – have the power to view balances, transfer money and deposit checks all at your fingertips
Free “Pay a Person” - send secure person to person payments
Free Instant Issued VISA® Debit Card – don’t wait for a check card to be mailed to you. Open an account and walk out with a VISA® debit card in hand
Courtesy Pay – never worry about having a check returned due to non-sufficient funds. Courtesy Pay will cover your checks up to $750.00***
Loan rate discounts – receive a 10 basis point discount on most Prestige loans****
Unlimited check writing/debit card use – use your checkbook/debit card as often as you wish
No monthly fees
No minimum balance
3 Simple Requirements
$400.00 Monthly Direct Deposit*****
eStatement – Sign up to receive electronic statements on Home Banking
Must complete 15 debit card transactions per month
*Annual Percentage Yield. Minimum direct deposit of $400.00 per month required. 15 debit card transactions with a $5.00 minimum per transaction must be completed on monthly statement cycle. Must sign up to receive eStatements (electronic statements) through Home Banking. See Rate and Fee Schedule for A.P.Y. if terms not met or for balances above $15,000.00. Subject to change at the discretion of the Board of Directors.
**We rebate any domestic non-Prestige ATM surcharge of $5.00 or less with a maximum of 6 transactions per month. Fees over $5.00 will not receive a partial refund. Refunds are made at month end. All requirements must be met to receive rebates.
***Account must be open for at least 60 days. A $33.00 fee will be charged per paid item.
****Discount is applied when member selects to make loan payments via automatic draft from a Prestige account. All loans are subject to credit approval.
*****Minimum direct deposit of $400 per month required. Direct deposit must be an ACH of an employer paycheck, pension or government benefits. Person to Person or Account to Account transfers are not considered a direct deposit.
Mega Interest
The Ultimate Checking Account
This checking account not only pays a great interest rate, it is loaded with free features.
In Addition to our standard Checking Offers you also get:
Great tiered interest rates – the more you keep in your account, the higher the interest rate
Free ATM withdrawals – you’ll never be charged a fee when you use Prestige and CU Here locations
Free Home Banking – access your accounts 24/7 via our website or telephone
Free Online Bill Pay – pay your monthly bills
Free online check images – see copies of your checks online as soon as they clear your account
Free Mobile App – have the poser to view balances, transfer money and deposit checks all at your fingertips
Free “Pay a Person” - send secure person to person payments
Free Instant Issued VISA® Debit Card – don’t wait for a debit card to be mailed to you. Open an account at our main financial center and walk out with a VISA® debit card in hand
Courtesy Pay – never worry about having a check returned due to non-sufficient funds. Courtesy Pay will cover your checks up to $750.00*
Unlimited check writing/check card card use – use your checkbook/check card as often as you wish
No monthly fees
No minimum balance
No direct deposit required
Opening balance – $25.00
*Account must be open for at least 60 days. A $33.00 fee will be charged per paid item. Direct Deposit required to have Courtesy Pay.
Fresh Start Checking
The Second Chance You’ve Been Waiting For
If you’ve had difficulties qualifying for a quality checking account, this may be the account for you.
In Addition to our standard Checking Offers you also get:
Free Instant Issued VISA® debit card – don’t wait for a debit card to be mailed to you. Open an account at our main financial center and walk out with a VISA® debit card in hand
Free ATM withdrawals – you’ll never be charged a fee when you use Prestige and CU Here locations
Free Home Banking – access your accounts 24/7 via our website or telephone
Free Mobile App – have the poser to view balances, transfer money and deposit checks all at your fingertips
Free “Pay a Person” - send secure person to person payments
Free Online Bill Pay – pay your monthly bills
Free online check images – see copies of your checks online as soon as they clear your account
Unlimited check writing/debit card use – use your checkbook/debit card as often as you wish
No minimum balance
$10.00 monthly fee with direct deposit*, $15.00 monthly fee without direct deposit
*Direct deposit must be made at least monthly. First direct deposit must be made within 60 days of opening the account. Minimum direct deposit amount is $400.00 per month. Direct deposit must be an ACH of an employer paycheck, pension or government benefits. Person to Person or Account to Account transfers are not considered a direct deposit.
Members that have a Fresh Start Checking Account are eligible for a Mega Interest or Payback Checking Account if they refrain from any negative activity on their account for six months. They must complete the CheckRight program and pass the final quiz with a score of 80 or better and have the results emailed to the credit union. The request for the upgraded account must be made by the member, it is not done automatically.
CheckRight
Interested in opening a checking account but unsure where to start?
A checking account is one of those financial tools that make a big impact on your overall financial health and wellness. This learning tool sets you up for success by improving your confidence and attitude around healthy checking account practices. It’s also an excellent resource for individuals who may have struggled in the past and are seeking to set themselves up for success in the future.
Those who complete the CheckRight digital learning experience are better able to:
Understand the basics when opening a new account.
Learn good checking account habits and how to overcome challenges and resolve overdrafts.
Next Steps to Improve Your Financial Picture
Improving your financial picture starts with free education available via GreenPath’s LearningLab+.
Create your account now to access interactive online courses to improve financial habits, manage credit and debt, use a checking account and more.
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1Per transaction.Features Rewards Payback Mega Interest Fresh Start VISA Check Card Free Free Free Free Home Banking Free Free Free Free Online Bill Pay Free Free Free Free Online Check Images Free Free Free Free PCU/CU Here ATMs Free Free Free Free Mobile App Free Free Free Free Overdraft Protection Yes Yes Yes Yes Minimum Balance None None None None Mobile Deposits Yes Yes Yes No Non-PCU ATMs Free Free $1.001 $1.001 ATM Surcharge Rebates Yes2 Yes2 No No $0.10 Check Card Rebates No Yes3 No No Earns Interest Yes4 No Yes No Courtesy Pay Yes5 Yes5 Yes5 No Monthly Fee No No No $10.00 / $15.006 Direct Deposit Required Yes7 Yes7 No No7
2Rebate any non-Prestige ATM surcharge up to $5.00 with a maximum of 6 transactions per month. Refunds are made at month end.
3$0.10 rebate for each signature based transactions over $0.99 paid at end of month. Must select “credit” option on all transactions, do not enter PIN.
4Earns high Annual Percentage Yield on balances up to $15,000.00, see Rate and Fee Schedule for A.P.Y. if terms not met or for balances above $15,000.00.
5Must Qualify. Account must be open for at least 60 days. A $33.00 fee will be charged per paid item.
6$10.00 per month with direct deposit (see #7 for deposit requirements), $15.00 per month without direct deposit.
7Minimum $400.00 direct deposit must be made at least monthly. First direct deposit must be made within 60 days of opening the account.
Contact Us
Courtesy Pay
Courtesy Pay is a service that adds an extra level of protection to your Prestige checking account. Courtesy Pay covers your insufficient funds checks (NSF) up to your approved limit for one fee per transaction. That means instead of returning a check to the merchant because of insufficient funds, Prestige pays your check, saving you from additional fees charged by the merchant. Most importantly, it saves you the embarrassment an inadvertent overdraft can cause.
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Courtesy Pay is an overdraft service we offer to pay items presented against your checking account when your account balance is not sufficient to do so. Instead of returning the transaction to the merchant for non-sufficient funds (NSF), we pay it and overdraw your account.
Courtesy Pay covers life’s unexpected emergencies and saves you from merchant NSF fees, interruption of services and the embarrassment and inconvenience associated with returned or declined items. -
Overdraft Protection Transfer and Courtesy Pay are two completely separate overdraft services.
Overdraft Protection Transfer allows funds to be transferred from a previously linked Prestige account, such as savings, money market or a line-of-credit, to pay an item. Overdraft Protection Transfer will NOT allow the account to overdraw (go into a negative balance) to pay an item. Notify us which account(s) you wish to designate for Overdraft Protection Transfer.
Courtesy Pay is a service which pays items which would otherwise be returned as NSF if the funds are not available in your account or overdraft protection transfer can no longer protect you. If you have established an Overdraft Protection Transfer source, we will attempt to pay an overdraft using this method before paying your overdraft utilizing Courtesy Pay. -
You may receive a $750.00 Courtesy Pay limit when your checking account has been opened and active for 60 days.
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There is no cost for Courtesy Pay unless you use it. There is a $33.00 per occurrence fee each time an item is paid through Courtesy Pay.
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Courtesy Pay is automatically activated after your checking account is opened for the following types of transactions:
- Checks and other transactions made using your checking account number
- Automatic bill payments
We do not authorize and pay overdrafts utilizing Courtesy Pay for the following types of transactions unless you opt-in for this service:- ATM transactions
- Everyday debit card transactions
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We understand you may need to make a transaction that exceeds your balance in your checking account due to unforeseen circumstances or an unexpected emergency. While some financial institutions have decided to not allow anyone to opt-in to Courtesy Pay for ATM and everyday debit card transactions, Prestige firmly believes in giving our members a choice.
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There are many reasons why you might want to opt-in to Courtesy Pay for ATM and everyday debit card transactions, including:
- Provides Security. In difficult times, your transaction may be approved when you need money to pay for unexpected expenses
- Increased Convenience. Your purchase is approved when you have insufficient funds in your checking account, rather than denied
- Eliminates Embarrassment. Avoid the awkwardness of a merchant declining your transaction
- Nothing to Lose. There is no fee to opt-in and no fee if you never use the service, however all the protection remains
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We pay overdrafts at our discretion. This means we do not guarantee we will always authorize and pay any type of transaction when there is not enough money available in your checking or designated overdraft protection accounts to cover the item.
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We recommend that you still opt-in to Courtesy Pay for ATM and everyday debit card transactions because you never know when an emergency will occur. Courtesy Pay acts as a last line of defense, only after overdraft protection transfer sources have been exhausted. Courtesy Pay offers you peace of mind and it does not cost you anything unless you use it.
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Once we receive the opt-in notice, we may activate this service. Your checking account must be open and active for at least 60 days before we will activate Courtesy Pay.
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Complete and submit the ATM and Debit Card Courtesy Pay Opt-In below.