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ACCOUNTS |
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ATM Cards |
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Priority First
FCU offers ATM cards to our members. You may withdraw up to a
maximum of $500.00 in any one day, if there are sufficient funds in
your account. You may make a combination of 9 ATM or POS (point of
sale transactions) per day. There is a $.75 charge for ATM
withdrawals at machines we do not own after four per month. There
is also a $.75 charge for ATM inquiries at machines we do not own.
Non-sufficient funds fee is $25.00. To report your ATM Card
lost or stolen, call the credit union at
(800) 368-0739. If after normal operating hours, call
(800) 528-2273 to report a stolen card. |
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Debit Cards |
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Priority First FCU offers MasterMoney Cards. This is a check
card whereby you may purchase items anywhere MasterCard is
accepted. Please do not forget...when using your card for
purchases...remember to PUSH OR SAY CREDIT (as in credit union).
The only time you should be using your pin # is at an ATM.
There is a non-sufficient funds fee of $25.00. |
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VISA Cards |
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Priority First FCU offers VISA
Credit Cards. This is a credit card whereby you may purchase items
anywhere VISA Credit Cards are accepted. A credit card for your
credit union costs less to get, and keeps costing less to use. If
you don't have one, you're missing out. To report your VISA
Card lost or stolen, call the credit union at
(800) 368-0739. If after normal operating hours, call
(800) 991-4961 to report a stolen card or to check your
balance. |
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Share Draft Account (Checking) |
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Share
draft (checking) accounts earn no dividends. There is no
minimum balance required. NSF fees are $25.00 per item. Stop
payment fees are $10.00 per request. Copy of a paid draft is $1.50
regular mail and $3.00 faxed. If there are not sufficient funds in
the draft account to cover a check, we will automatically transfer
up to six times a month from savings to cover the check. There is
no charge for this service. However, there is a $20.00 fee per
transfer after six per month. Members who have direct deposit and
senior citizens receive selected checks at no cost to them or if
they prefer a different check, they will receive them at a
discounted rate. |
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Share Account (Savings) |
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Share
(savings) accounts have a minimum balance of $5.00. There is no
service fee. |
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Club Accounts |
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Christmas accounts have no minimum balance or service fee.
There must be a balance of at least $5.00 in order to earn a
dividend. Minimum opening balance is $1.00 They mature the first
day of October and are transferred on the first business day of
October to the draft (checking) account, if there is one attached to
the account. Otherwise the Christmas fund is transferred to the
share (savings) account attached to the account. |
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Vacation accounts have no minimum balance, but there must be at
least $5.00 in the account to earn a dividend. Opening deposit
required is $1.00. |
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Term Share Certificates |
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Share
certificates have a minimum balance of $500.00. We offer 6, 12,
18, 24, 30, 36 and 60 month certificates. Dividends are compounded
quarterly. Your account will automatically renew for another term
upon maturity unless you notify us otherwise.
Early withdrawal
penalties apply and fees could reduce the earnings of the account.
Actual penalty depends of term of certificate. |
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IRA Accounts |
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IRA
accounts have a minimum opening deposit of $1.00. In order to earn
a dividend there must be a minimum balance of $5.00. We have
Educational, Roth, and Traditional IRAs. |
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Dividends
on all accounts are compounded quarterly and credited on the last
day of the quarter. In order to earn a dividend, an account must
have a minimum balance of $5.00. Minimum opening balance on any
account is $1.00. If a member closes an account before dividends
are declared, any dividends earned, since the last time dividends
were credited, will be forfeited. |
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Cashiers
Checks are $7.50 per item.
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