Checking

Enjoy all of these additional benefits and services:

• IDProtect® Identity Theft Protection
• Credit Score & Report Access
• Cellular Telephone Protection
• TeleHealth with ZERO Co-pays
• $50.00 discount towards closing costs of any Family Savings Mortgage Loan
• No minimum balance requirement
• Free Personalized Checks for those 50 and older
• Accidental Death and Dismemberment
• Shopping Rewards
• Travel and Leisure Discounts
• Free 24/7 Telephone, Mobile, and Online Account Access
• Free Online Bill Pay
• VISA® Debit/ATM Card
• Unlimited Check Writing
• Free eStatements
• Safe Deposit Box Discounts - subject to availability

* Members with an average monthly balance of less than $1,500 will incur a $5 per month maintenance fee. There is no additional fee for printed statements on NSPIRE Checking.

NSPIRE Checking Account:

1. Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration, and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.

2. You will have access to your credit report and score provided your information has been verified by the Credit Reporting Agency. Credit Score is a VantageScore 3.0 based on Equifax data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.

3. Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions, and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

4. Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.

Qualifying is easy! Simply sign up for estatements, use your debit card 12 times within the month, and have one ACH (electronic deposit or withdrawal) each month to earn 3.00% APY* on balances to $25,000 and ATM fee refunds up to $20 each month. And..., Each month you qualify in NGAGE Checking, your linked NGAGE Savings account will earn 1.50% APY* on balances to $25,000. If you don't qualify one month, don't worry, there is no fee & you will have another chance to qualify the following month. You will not earn rewards the month you do not qualify.

* NGAGE Checking Account: APY = Annual Percentage Yield. Enrollment in electronic documents (eStatements/eDocuments) is required to open and maintain an NGAGE Account. NGAGE Accounts do not have a monthly account maintenance charge. In the event a member does not have an eDocument election, FSCU reserves the right to convert the NGAGE Checking account to an NSPIRE Checking account which may carry a recurring $5.00 per month account maintenance fee on accounts with average monthly balances of below $1,500. The credit union also reserves the right to convert any NGAGE Saving account to a Master Share Account (regular saving account).  REWARDS for NGAGE Checking accounts: Monthly Qualification Cycle means a period beginning one (1) day prior to the first day of the current statement cycle through one (1-day) day prior to the close of the current statement cycle. When NGAGE Checking Account qualifications** are met during a monthly qualification cycle, (1) Balances up to $25,000 receive a 3.00% APY, (2) On balances of $25,000.01 and up, members earn 1.00% APY, resulting in a range from 3.00% APY to 1.40% APY depending on the account's balance. (APY blended rate is based on an assumed total account balance of $25,000 plus $100,000 to be shown as a single figure (i.e. $125,000)). Balances over $125,000 will result in a lower blended rate based on total balance over $25,000; (2) ATM fee reimbursement up to $20 per month is provided only if qualifications are met within the qualification cycle and posted by the last day of the statement cycle. An ATM withdrawal receipt is required for reimbursement of an individual ATM fee of $5 or higher. REWARDS for linked NGAGE Saving accounts: When your linked NGAGE Checking Account qualifications** are met during a Monthly Qualification Cycle, your NGAGE Savings Account balances up to $25,000 receive APY of 1.50%; and balances over $25,000 earn 0.50% interest rate on the portion of balance over $25,000, resulting in a range from 1.50% to 0.70% APY depending on the account’s balance. (APY blended rate is based on an assumed total account balance of $25,000 plus $100,000 to be shown as a single figure (i.e. $125,000)). Balances over $125,000 will result in a lower blended rate based on total balance over $25,000. When qualifications are not met, NGAGE Checking account balances and NGAGE Saving Account balances earn 0.05% APY. No ATM fees are refunded. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle to qualify for the NGAGE rewards. The following activities do not apply toward earning account rewards: No ATM-processed transactions, no transfers between accounts, no debit card purchases processed by merchants as ATM or Bill Pay transactions and no purchases made with non-Family Savings issued debit cards. Both NGAGE Checking and NGAGE Saving Account dividends will be posted on the last day of the statement cycle. APYs accurate as of 09/20/2024.

**QUALIFICATIONS: Include 12 (twelve) debit card transactions, 1 (one) ACH (electronic deposit or payment) post and settle to the NGAGE Checking account during each qualification cycle and member enrolled to receive eDocument notices with a valid email address.

Account approval, conditions, limits, qualifications, time frames, enrollments, log-ons and other requirements may apply. Limit 1 (one) account per social security number. A $25 minimum deposit is required to open the NGAGE Checking Account. A $5 minimum deposit is required to open the NGAGE Savings Account. Business Accounts do not qualify for an NGAGE Account.