Looking for a simple, free checking account without all the bells and whistles? Then Just Checking is the checking account for you! There are no monthly fees, no minimum balance, or minimum deposit requirements! This checking accounts name says it all, it’s Just Checking!
JUST CHECKING (SHARE DRAFT) ACCOUNT DISCLAIMER APRIL 2017
Rate Information: The checking (share draft) account does not earn dividends.
Minimum Balance Requirements: No minimum balance requirements apply to this account.
Transaction Limitations: There are no transaction limitations for this account.
Checking Account Agreement with Overdraft Transfer Clause: I/we hereby authorize the credit union to establish this checking account for me/us. The credit union is authorized to pay checks signed by me (or by any of us) and to charge all such payments against the shares in this account. It is further agreed that: (A) Only check blanks and other methods approved by the credit union may be used to make withdrawals from this account. (B) the credit union is under no obligation to pay a check that exceeds the fully paid and collected share balance in this account; the credit union may, however pay such check and transfer shares to this account in the amount of the resulting overdraft, plus a service charge, from any other regular share account from which any of the undersigned is then eligible to withdraw shares. (C) The credit union may pay a check on whatever day it is presented for payment, notwithstanding the date (or any limitation on the time of payment) appearing on the check. (D) When paid, checks become the property of the credit union and will not be returned either with the periodic statement on this account or otherwise. (E) Except for negligence, the credit union is not liable for any action it takes regarding the payment of nonpayment of a check. (F) Any objection respecting any item shown on a periodic statement of this account is waived unless made in writing to the credit union before the end of 60 days after the statement is mailed. (G) This account is subject to the credit union’s right to require advance notice of withdrawal, as provided in its bylaws. (H) This account is also subject to such other terms, conditions, and service charges as the credit union may establish from time to time.