Our checking account has no minimum opening deposit, no minimum balance, no service charge, and no per-check fee.
In addition, you'll receive the following services free of charge:
|Minimum Deposit Amount||Rates||APY1||Dividends Paid||Alert Me|
|Business Share Draft||$0.00||0.00%||0.00%||monthly|
|Senior Share Draft||$0.00||0.00%||0.00%||monthly|
|Our goal is to provide you with competitive rates, however, rates are subject to change without notice.|
Call us toll-free or order checks online 24 hours a day, 7 days a week for secure, convenient check reordering. You can also purchase a wide selection of accessories including leather covers and organizers.
Have you ever accidentally written one too many checks on your account or thought you had more than you really did in the account? If you have, then you need Overdraft Protection!
First Cheyenne Federal Credit Union offers Overdraft Protection in combination with our Visa check card that will advance to your checking account if you accidentally overdraw your account.
In addition, our Visa check card is a fast, convenient, and safe way to pay! Using your Visa check card is quicker than making a trip to the ATM, more convenient than writing checks, and safer than carrying cash. And unlike other debit cards, you can use your Visa check card at millions of locations.
Since your Visa check card purchases are automatically deducted from your checking account, their's no interest to pay. Your monthly statement provides you with a record of all your transactions, making your record-keeping simple. And each card comes with overdraft protection up to $1,000.00.
Courtesy Pay is a non-contractual service, offered at First Cheyenne Federal Credit Union's discretion. Courtesy Pay may cover insufficient funds checks, up to a $500 limit (including fees). Instead of returning the check to the merchant because of insufficient funds, First Cheyenne may pay the check, for a $30.00 fee per occurrence, and save you any additional charges that may be incurred from the merchant.
While Courtesy Pay is not an invitation to overdraw your account, it is an added layer of safety for accidentally writing checks for more than is currently in your account, or an inadvertent error that causes your account to become overdrawn.
If interested, please talk with one of our credit union representatives regarding this or our other overdraft services.