Checking Accounts

	Basic Checking	Advantage Checking
Monthly Fee	NO Monthly Service Fee
Minimum Balance Requirements	NO Minimum Balance Requirements
Dividends	Balances of $1,000 or more	No
ATM Fees	$1 per transaction for out-of-network ATMs*	NO ATM Fees*
Cell Phone Protection	No	Yes
24/7 Roadside Assistance	No	Yes
ID Theft Protection	No	Yes
Emergency Travel Assistance	No	Yes
Pet Coverage	No	Yes

DuGood checking accounts can be enhanced with Overdraft Protection, which allows an automatic transfer of funds from another account of your choice. This helps avoid embarrassment when you try to make a purchase but don't have enough funds in your account.

A $5 fee per transfer will apply. Overdraft Protection excludes Money Market Accounts.

*Not all overdrafts are guaranteed. After 15 consecutive days of the account being overdrawn, account restrictions will apply. Overdrafts must be paid in full within 45 days.

We authorize and pay overdrafts for members 18 and older at our discretion for checks and other transactions made using your checking account number, automatic bill payments, ACH transactions, and other electronic funds transfers. You also have the option to opt-in in for courtesy pay for ATM transactions and debit card purchases.

*Courtesy Pay covers certain overdrafts up to approved limits. A fee of $30 per transaction will apply. Not all overdrafts are guaranteed. After 15 consecutive days of the account being overdrawn, account restrictions may apply. After 30 consecutive days of a loan delinquency, Courtesy Pay will be restricted. Overdrafts must be paid in full within 45 days.