Interest-Earning Free Checking
A Schools FCU checking account is remarkably versatile, letting you access your funds in several ways: online, by phone, and via the greatest number of free ATMs in the country.
Your Money Works Harder Here — Most banks require you to keep thousands of dollars in your checking account before they pay interest. At Schools FCU, you earn dividends with just $500, and our tiered rate structure rewards higher balances with higher yields.
More surcharge-free ATMs than any bank — Get surcharge-free cash when and where you need it, wherever you see the CO-OP Network logo. With the addition of more than 5,500 7-Eleven store locations, there are more than 25,000 CO-OP Network ATMs in 50 states — more than even the big banks have:
| Our CO-OP Network | 25,000 |
|---|---|
| Bank of America | 16,700 |
| Wells Fargo | 6,500 |
| Washington Mutual | 3,800 |
To find the CO-OP Network ATM nearest you:
- www.co-opnetwork.org‡
- 888/ SITECOOP
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at the nearest 7-Eleven
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- Get account balances
- See which checks have cleared
- Verify automatic payments and deposits
- Review and print account histories
- Transfer funds between accounts
- Make loan payments
- Find out payment amounts and due dates
- Request advances on your line of credit
- Download account data into personal finance software like Quicken® or Microsoft Money®
Free Bill Pay
Pay your bills the easy way — online! Use Bill Pay to send "electronic checks" to virtually any creditor instead of writing and mailing paper checks. You can make one-time payments, or set up regular payments for recurring bills — you’ll never forget or be late with a payment again!
Free Visa Debit Card
Our Visa Debit Card enables you to "pay by check" - without the hassle of writing paper checks. It also lets you carry less cash, and since it’s not a credit card, you won’t pay credit card interest. Think of it as a "plastic check" that’s accepted where no personal check is: restaurants, gas stations, out of town, and out of the country.
- Use at millions of businesses around the world which accept Visa debit cards
- Get cash back from supermarkets and other participating merchants
Plus, Visa’s Zero Liability policy gives you 100% protection against misuse of your Visa Check Card. If someone steals your card number, you pay nothing for their fraudulent activity.
An ATM Card Too
Use your Visa Check Card to make no- surcharge withdrawals at any of the more than 25,000 CO-OP Network‡ ATMs.
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Free TouchTone Teller
888/ 282-0729
Our automated phone teller puts your account information at your fingertips 24 hours a day. Make balance inquiries, transfers, loan payments, and much more. There is no fee for using TouchToneTeller.
Free Verified By Visa Security
Shop online with peace of mind by selecting and registering‡ a unique Verified by Visa password. When dealing with participating online businesses, you must provide your unique password to complete the transaction. No password, no sale. Only you and those you authorize can use your Visa card online.
Overdraft Protection
Protect yourself from bouncing checks. If you need to (or accidentally) write a check for more than is in your account, funds will be transferred automatically, in $100 increments, from your savings account with no transfer fee, or from your Visa account (up to your available credit limit) for a $3 transfer fee. Need a small loan? Use overdraft protection to write yourself one. Overdraft protection is the perfect complement to your Schools FCU checking account. Apply now or call our member service department to apply.
Order Checks Online
If you want the same style and are not changing your personal information, you can re-order‡ checks online. You will need the ID number on the reorder form that came with your checks.
Stop Payments
Initiate temporary stop payments 24 hours a day by completing and submitting an online request form. Verify your request by printing, signing and faxing the authorization form to 310/ 632-5370. Temporary online requests will be cancelled and the check paid if your authorization is not verified within 48 hours. A $22 fee will be debited from your checking account for each stop payment. Allow at least 48 hours for stop payment to become effective. Schools FCU is not responsible for checks cashed within 48 hours of stop payment request.
