CHECKING ACCOUNTS Easy, low cost
checking with convenient options
TAKE advantage of State Central’s SAVINGS is yours with Free Checking...
convenient checking...
E njoy the convenience of a State Central checking
State Central’s checking accounts are designed to account without worrying about balance requirements.
Perfect for busy lifestyles, State Central’s Free Checking
provide you with easy, inexpensive access to your
money. because we know how vital a checking Account doesn’t require a minimum balance in this or
account is to your money management needs. State any other account. And there are no maintenance or per
Central offers three unique checking accounts: check clearing fees, saving you money every month. To
Conventional, Free and Fresh Start Checking. open a Free Checking account, you are only required to
purchase a $5.00 membership share.
CHOICE is yours with Conventional RE-BUILD your finances with Fresh Start
Checking ...
Checking...
Our Conventional Checking Account allows you to
tailor your checking account to best fit your personal Need a checking account but having trouble getting
financial management style. You will not be charged approved for one from other banks or credit unions?
a monthly maintenance fee for your checking account Look to State Central’s Fresh Start Checking to help
provided you maintain an average daily balance of you get your finances back on track. Available, for a
$500.00 or more in one or a combination of share low monthly fee, the Fresh Start Checking Account
type accounts (savings, checking, club accounts, IRA’s). provides you with a card, similar to a debit or ATM
You can choose to keep your money wherever it will card, that you can use to pay for purchases anywhere.
serve you best, making our Conventional Checking This card offers a daily purchase limit to help you
flexible and economical. You can increase the earning control your expenses, ultimately helping you manage
potential by keeping a balance of $2,500 or more in your personal finances. You are also able to use the
your Conventional Checking Account. Balances of Fresh Start Checking card to make deposits at any State
$2,500 or more earn dividends at rates that are Central owned ATM. Withdrawals can be made at any
typically higher than share savings accounts. ATM you choose, so you will always have easy access to
your money.
W ith State Central’s Conventional Checking, you are STATE CENTRAL’s Checking Accounts cover
able to have 10 checks clear each month for free.
Beginning with the 11th check, you are charged a all of the bases...
nominal fee for each check that clears. You can enjoy
free check clearing all month long by electronically To make your State Central Checking Account more
depositing your payroll, Social Security or other convenient, several services are offered:
recurring check directly into your State Central
account. With direct deposit, you can clear as many CheckCard The CheckCard allows you to pay for
checks as you need without incurring any fee at all. purchases without writing a check. You are eligible
to apply for a CheckCard after you open your checking
account. Use the CheckCard wherever VISA is accepted
Since State Central does not require a minimum with the amount of the purchase deducted from your
checking account balance, you can arrange to have account. You can also use the CheckCard at any ATM
money automatically transferred from your share to deposit, withdraw and transfer funds whenever you
savings account into your Conventional Checking only need to.
when you need it. Transfers are free and are made in
the exact amount required to cover a check. That way, Online Banking Online Banking is State Central’s
your money earns dividends, but you still have funds branch on the Internet. Online Banking allows you
available for checking. to pay your bills and make transfers at any time, day
or night. You can also use Online Banking to
determine what checks have cleared and to assist you
You can also protect your Conventional Checking from in balancing your checking account.
overdrafts with a line-of-credit loan. With a line-of-
credit loan, you can borrow funds in $50 increments
Central Phone Express Central Phone Express is
as needed. Line-of-credit loan overdraft protection
State Central’s touch-tone phone service. Like Online
requires a separate application and approval.
CHECKING ACCOUNTS Easy, low cost
checking with convenient options
Banking, Central Phone Express allows you to pay
bills, make transfers, and check on transactions af- PRODUCTS and SERVICES offered at
fecting your account. An easy-to-follow menu helps
you get the information you need. STATE CENTRAL CREDIT UNION
Privilege Pay Are there occasions when you just Share Savings Accounts
don’t have enough in your checking account and a
financial emergency arises? Let Privilege Pay help Club Accounts
you out of these difficult situations! Privilege Pay
provides you with an additional $500 in your
checking account to cover overdrawn transactions. Individual Retirement Accounts
For a nominal fee, State Central will clear the
transaction without charging you a non-sufficient Youth Accounts
funds fee. You won’t have to pay any return fees
from the merchant, and you won’t have the
embarrassment caused from a bounced transaction.
Fixed Rate Certificates
And, you don’t have to pay the extremely high
interest rates charged by payday loan and check Head Start Certificates
cashing stores! Let Privilege Pay help you handle
life’s little emergencies! Online Banking
Monthly Statements State Central provides you
with detailed monthly statements which list each eStatement
check clearing, debit purchase, transfer, deposit,
automatic bill payments and other account activity. Privilege Pay
You can choose eStatement, State Central’s elec-
tronic statement service, to view your transac-
tions each month or receive a paper statement in the
Central Phone Express
mail. Online Banking can also provide a detailed
account history at any time. CheckCard and Central Access Card
Check Ordering A variety of check types are Consumer Loans
available, including duplicate style checks. For
added convenience, checks may also be ordered
on-line at our website, www.statecentral.com. Mortgage Loans
Checks are only available for Conventional and Free
Checking Accounts. to apply for your checking
CLICK HERE account!
GET started with a State Central Checking
Account today!
CLICK HERE for checking account rates
A State Central Checking Account is a vital tool in
managing your personal finances. Apply today to
experience the convenience and simplicity of a State
Central Checking Account. Click the button to the
left side of this brochure, stop in at any of our conve-
nient State Central Credit Union offices or apply
on-line at www.statecentral.com.
F or more information about this or any other State
Central account, please call (414) 778-1000 (in West
Bend, dial (262) 338-0011) or e-mail us at
memberservices@statecentral.com.