"My checking
is with YVCU;
I love their service!"
Jerry
YVCU Member
Checking Accounts
Checking Accounts at your Credit Union give you the options and convenience you've been looking for! You can choose Dividend or Free Checking and receive these special benefits:
- FREE ATM Withdrawals at YVCU owned machines and through the Northwest Credit Union Alliance
- Pre-authorized payments from checking.
- CourtesyPay* and Overdraft Protection from another account, VISA credit card, or line of credit.
- Automatic transfers to certificates.
- Convenient automatic deposit plans.
Having a checking account can be even more rewarding! When you include a Debit Card and also use Home Banking, Bill Payer & e-Statements, you could earn the following Rewards*:
- .10 basis point increase on a new certificate.
- Free checks.
- ¼% a.p.r. discount on a new or used vehicle loan.
- .25% off closing costs (up to $500) on a first mortgage loan.
- One overdraft fee waived per year.
*Loans and checking upon approval. Special conditions may apply. Request must be initiated by member for overdraft fee to be waived. At least 3 bills must be consistently paid through Bill Payer to qualify for free checks and member must request the free checks at the time the check order is placed. Available only on new certificates for rate increase, and new vehicle loans for discounts. Rewards cannot be applied to existing accounts and are only valid on future requests.
Free Checking
The Free Checking Account is designed for the member who wants a basic checking. It only takes $50 to open the account and there is no monthly fee or minimum balance.
Dividend Checking
The Dividend Checking Account is designed for members who want to earn interest on their checking account. You'll receive the following:
- Earns interest on accounts with a minimum balance of $250.
- No reissue fee for ATM or Visa Debit Cards.
- First order of checks is discounted.
- Two free cashier's checks a day.
- No service fee with a $250 minimum balance ($6 per month if below minimum balance).
Daily Action Investment Account
This is a special type of high yield checking account that is competitive with today's money market funds.
- Term - daily.
- Minimum Balance - $2,000.
- Rate - varies according to balance (different rate with a minimum of $2,000 and $25,000).
- Additional Deposits - no minimum.
- Minimum Withdrawal - $500.
- Account Access - by check, Home Banking, or over the counter.
Money Market Advantage Account
This account is designed for members wanting a higher-balance, higher-yield checking account.
- Term - daily.
- Minimum Deposit to Open Account - $25,000
- Rate - varies according to balance (rate intervals: $10,000, $25,000, $50,000, and $100,000+)
- Additional Deposits - no minimum.
- Minimum Withdrawal - $500
- Account Access - by check, Home Banking, or over the counter.
For more information please call 248-1720 (800-347-9222 outside the Yakima calling area), send an e-mail, or visit any Yakima Valley Credit Union location.
Must be a member with a share account of at least $50. Checking accounts upon approval.
*Must be at least 18 years old and not past due on any Credit Union obligation. New checking accounts opened 90 days or less may have a $100 limit including fees. Eligibility is at the discretion of the Credit Union. Opt-out notice must be in writing. Repayment of overdraft balance and fees is payable upon demand. If payment is not made within 31 days, CourtesyPay may be suspended. The fee may be imposed for overdrafts created by checking, ATM withdrawals, debit card transactions or by other electronic means, as applicable.
