What are the features of Plus Checking?

• Plus Checking offers great national and local discounts, unlimited checking, and full online access to your account. In addition, you have the ability to reduce or eliminate the monthly service fee by doing things you probably already do.

How do the national and local discounts work?

• Visit www.anywhererewards.com to enroll and take advantage of cash rebates, local discounts and grocery coupons. For online purchases at national retailers, rebates are automatically deposited back into your checking account. For local discounts and grocery coupons, simply print the coupons to redeem in-store.

Is there a limit to the number of discounts I can use?

• No. You enjoy as many of the discounts, coupons and online rebates as you like.

Can anyone use www.anywhererewards.com to get the discount?

• Only current Plus Checking account holders are eligible to receive these discounts.

What is the monthly service fee for this account?

• Plus Checking has a $7.50 monthly service fee. But you can reduce or eliminate the fee each monthly qualification cycle by having debit card purchases and signing up for e-Statements. Or you will never see a fee if you maintain an average monthly balance of $4,000.

How do I reduce or eliminate my monthly service fee?

• Receiving e-Statements reduces your fee by $1.00 for each qualification cycle. You can further reduce the fee by $0.25 for each qualified debit card purchase over $5.00 that posts and clears your account within the qualification cycle, until the fee is eliminated. You also have the option to maintain an average monthly balance of $4,000 to eliminate the monthly service fee.

Can I "roll over" debit card purchases to eliminate my fee in the next statement cycle?

• No. Once the fee is eliminated, additional debit card purchases in that qualification cycle will not count toward the following month's qualifications.

What is the difference between my qualification cycle and statement cycle?

• The statement cycle for Plus Checking ends on the first business day of each month.
• The qualification cycle essentially runs a day ahead of the statement cycle. It will always begin with the last day of the previous statement cycle, and end the business day prior to the next statement cycle date.

How do I open a Plus Checking account?

• Simply visit one of our branches or click Apply Now on this site.

Is there a minimum balance to open a Plus Checking account?

• The minimum opening deposit is $50.

Is there a minimum balance required to maintain the account or to receive the benefits?

• There is no minimum balance required to maintain the account or receive the benefits.

How do I deposit money?

• Use Direct Deposit for your payroll or government checks; this gives you instant access to your funds without having to visit a branch. Most employers and most government agencies offer this free service. If your employer does offer Direct Deposit, great! They'll have you fill out a simple form and you'll be good to go.
• Wire transfer money from your current account into your newly opened account (contact Plus Credit Union for details).
• Mail your checks to Plus Credit Union.

How do I access my money?

• Shortly after opening a Plus Checking account, Plus Credit Union sends you a free Visa debit card. Use this card anywhere that accepts Visa.
• If you'd still like to use paper checks, just contact Plus Credit Union to get set up.
• Plus Checking also has free online banking. With online banking, you can access your account from anywhere you have an Internet connection. Bank online to pay bills, view account activity, transfer funds between accounts and confirm deposit amounts.

Do checks come with this account?

• Yes, you can still get and use checks as you would with any checking account. After opening your Plus Checking account, contact Plus Credit Union for details on ordering your checks.

How do I check my balance?

• Plus Credit Union offers free online banking with 24-hour access to your account information.
• Contact Plus Credit Union toll free at (800) 621-6752 or email us at general@plus4cu.org and we'll be glad to assist you.

What if I need to talk to someone at the institution?

• Simply call Plus Credit Union at (800) 621-6752 or email us at general@plus4cu.org and we'll provide the same great service you get when you visit one of our branches.

Is Plus Checking insured?

• Yes. Plus Checking is fully backed by the NCUA.