Checking Accounts

Accounts federally insured to at least
$100,000 by NCUA, an agency of the
US Government


	Order checks and accessories online from Liberty http://reorder.libertysite.com

	Basic Checking	Money Market Checking	Business Checking
Minimum Balance	$0	$2,500.00	$0
Check Clearing Fees/Limits	None	None	$0.25 per item
Dividends Earned
$2,500 to $9,999	None	1.39% APR* 1.40% APY**	None
$10,000 to $24,999	None	1.64% APR* 1.65% APY**	None
$25,000+	None	2.13% APR* 2.15% APY**	None
Below Minimum Balance Fee	None	$15.00	None
Monthly Fee	None	None	$15.00
ATM Cash Card/ Wakota Check Card	FREE*	FREE*	ATM FREE
ATM Fee	No Charge when using Instant Cash machines at WFCU or at a Wells Fargo bank. $1.00 at other machines.	No Charge when using Instant Cash machines at WFCU or at a Wells Fargo bank. $1.00 at other machines.	No Charge when using Instant Cash machines at WFCU or at a Wells Fargo bank. $1.00 at other machines.
Ready Credit	Available	N/A	N/A
Summary	A no-frills account with no monthly fee.	An interest bearing account with no limit on withdrawals or the number of checks written.	A low cost business account.


	A.P.R. means Annual Percentage Rate. Rates effective as of March 31, 2008. Rates subject to change without notice. *A.P.Y. means Annual Percentage Yield.

	Basic Checking A no-frills account which offers the checking basics. There are no monthly fees, check clearing fees or limits and no minimum balance is required. Money Market Checking An interest bearing account with no limits on withdrawals or the number of checks written. A $2,500 minimum balance is required. This account features no monthly service fees or check clearing fees. Business Checking This account offers a low cost way to manage your commercial checking. No minimum balance is required. ATM Cash Card Free of charge for all checking accounts, our cash card offers the ultimate in withdrawal and deposit convenience. Wakota Check Card A convenience card that works like a check. The Wakota Check Card allows you to withdraw the purchase price directly from your checking account. Available with Basic and Money Market checking accounts. It can be used anywhere VISA check cards are accepted. The Wakota Check Card doubles as an ATM card. You can use your Wakota Check Card to get cash, transfer money or make balance inquiries at any of the thousands of ATMs worldwide. The Wakota Check Card is safer and easier than carrying cash and a checkbook. It carries no monthly fee. With a detailed monthly statement, it's a breeze to keep track of your purchases. Wakota Photo Check Card Photo Check cards are also available. The photo check card works just like our regular check card, with another added safety feature…your picture on the front of the card. This safety benefit will help protect you from identity theft, the fastest growing crime in the country. To get the card, simply submit a 2" x 2" head shot to the credit union. Or come in to our office to have your photo taken. Your first card will cost just $5.00, which is a small price to pay for peace of mind. Call 651-451-3330 for more information on this product. Ready Credit Ready Credit Cash Advance is a line of credit that is connected directly to your checking account. Ready Credit allows you to write your own loan whenever your transactions exceed your balance. Talk about convenience and savings! This overdraft protection saves you unnecessary charges and eliminates the need to contact the credit union when you temporarily need a small loan. It is a great safeguard for your money, since you only pay interest on the amount you actually use. You may never need to use it, but it's nice to know it's there!

TeleTran

Wakota's 24-hour touch-tone telephone service. Make important transactions anywhere, any time, at no charge.

Home Financial Services

View and conduct transactions on your checking account through online
access, anytime, at no additional charge.

Duplicate Checks

Record keeping is easy with carbon copy checks. If you forget to record a check, you always have the copy with the necessary information. Single and duplicate checks are available.

Easy Deposit Access

Payroll Deduction

Direct Deposit

Mail

Night Depository

Drive-Thru

Did you know you can create a password that protects you when you make purchases online? Verified by VISA, is a service that helps prevent unauthorized purchases before they occur. Verified by VISA is designed to verify your transactions by asking for a password that only you will know. If the password is incorrect, the transaction will be declined.

We strongly encourage all WFCU cardholders register all VISA (both debit and credit) cards with the Verified by VISA program as soon as possible—even if you don't shop on the internet. This program will protect you from fraudulent purchases in the event your card or card number is stolen. So what's your password? Create it today at:

Visa Card

Wakota Chek Card


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