|
 Banner
Federal Credit Union offers three types of checking
accounts. -
Use
your checking account to pay bills. With monthly statements
the checking account is the easy way to keep track
of your spending. Know who, where and when you are
spending money with a check register and statement
record of purchases.
•
REGULAR CHECKING
• SECURED CHECKING
• TEEN CHECKING
• VISA CHECK
CARD
• ATM CARD
• Report a
lost/stolen card
• Need
to reorder checks?
REGULAR
CHECKING:
The basic checking account with no annual fees, dividends
paid monthly on balances above $500. Upon approval,
VISA Check Card and ATM access are available..
SECURED
CHECKING:
A life-line checking account for members who have
been denied checking account services at other institutions
or who are rebuilding their credit. By pledging $200
in any other savings account at the credit union,
this account allows owners to write checks and rebuild
their checking and credit record. Monthly service
charge of $15 per month, dividends paid monthly.
TEEN CHECKING:
Banner Federal’s Teen Checking Account is specifically designed for our members ages 13-18 (with parent or guardian signer). With Banner Federal’s Teen Checking there is no account service fee, no membership fee, and your first box of checks are on Us! You will also get online banking access and your very own Visa Debit Card or ATM with lower spending limits especially intended for our younger members.
VISA
CHECK CARD:
Use the VISA Check Card at any merchant displaying
the VISA/MasterCard logo. Instead of writing a check,
swipe the VISA Check Card. The merchants get instant
verification of the transaction as valid.  You get
a printed record of the transaction and faster checkouts.
Stop fumbling for your check book and identification.
Just swipe your VISA Check Card and enter you Personal
Identification Number (PIN). Nothing is faster.
Need
Cash? Ask for cash back with your VISA Check Card
purchase. There is no charge at participating merchants.
It's quick and it's free.
Use
the VISA Check Card at any ATM machine. The VISA Check
Card and your PIN Number will give you access to the
funds on deposit in your checking account.
VERIFIED BY VISA
Verified by Visa protects your existing Visa card with a password you create, giving you reassurance that only you can use your Visa card online.
Simply activate your card and create your personal password. You'll get the added confidence that your Visa card is safe when you shop at participating online stores.
Electronic
Check Conversion
Electronic Check Conversion at the point-of-sale —
electronically processing a check similar to an ATM/debit
transaction — is becoming more common. Nearly one
in five paper transactions are being swiped at a retail
location and returned to the check writer. To help
you understand this electronic check conversion, how
it works, its benefits to you and your consumer rights
follow the link above.
ATM
CARD:
Get cash when you need it at thousands of ATM machines.
The Banner Federal Credit Union ATM Card works in
Cirrus, Plus, Star, Explore and SCS ATM machines. Your Banner Federal Debit or ATM card is surcharge-free at over 150,000 ATM's across the nation that displays the Allpoint and or Accel/Exchange Logos.
Your Banner Federal Credit Union ATM Card can be used
at any ATM machine up to four time per month without
a service charge from the credit union. The fifth
and additional transactions are charged a $1.50 service
charge. When using the Banner Federal Credit Union owned
ATM machines at either Good Samaritan Hospital, Desert
Samaritan Hospital or Thunderbird Samaritan Hospital,
Estrella Hospital, Gateway Hospital or Baywood Hospital locations there is no service charge to our credit union ATM
Card owners.
To Find a Surcharge-Free ATM click here.
To report a lost/stolen card click here. |
