Instructions On How To Order Checks

1. Log into your member account under "My CU Accounts" login; Visions' homepage.
2. Next to your checking account share ID, click on link that states: "Check Order".
3. Verify your next starting number then click on "continue" and your checks will be ordered. You will receive a message that states: "Your Checks Have Been Ordered"."

The Credit Union offers checking accounts that offer members a choice based upon their specific needs.

“Free*” VisionsPlus Checking

• Members who keep an average daily balance of $1,000 earn dividends
• Dividends are calculated on the average daily balance for the month, compounded and credited monthly.

“Free**” VisionsDirect Checking

• No minimum balance, monthly fee or per check charges with Direct Deposit**
• No dividends

* Minimum balance of $1,000 required to be eligible for free checking.

** Direct Deposit requires ACH deposit of Social Security, Pension or “net” Payroll to be eligible for free checking.

Visions "E" Checking

• No minimum balance required
• No dividends
• Maintain an "E"-services relationship to include:
  • Free enrollment in e-notices and e-statements
  • Online Newsletter
  • Visa Check Card*
  • Active** online bill payment
• Without qualifying e-services relationship - $8 service charge

* Check Card requires one transaction per month to be avoid $1 service charge.

**Requirement of three bill pay transactions per month to avoid the $8 monthly service charge.

Benefits

• Checks Provide Instant Record
  When you write a check, it is automatically recorded on a carbonless duplicate. This convenient feature insures accuracy in record keeping.
  
  
• Free Checks with VisionsDirect Checking
  Members with VisionsDirect Checking may receive up to one (1) free order of TAN checks or one (1) half-price order of COMMUNITY PRIDE checks per 12 month period. Subsequent orders will be charged the current cost, as billed by the check supplier. These costs are subject to change. Check Printing charges will be applied to any VisionsDirect checking account that received “free” checks in any 90-day period prior to no Direct Deposit going in the account.
  
  
• Easy to Read Statements
  Statements show any transactions that have occurred during the month with separate summaries by transaction type.
  
  
• Cancelled Checks not Returned
  Rather than returning cancelled checks, we microfilm them for permanent record keeping. This cost saving procedure helps us pass the savings on to you in the form of higher dividends on your VisionsPlus account.
  
  
• Protection Against Check "Bouncing"
  We make it very difficult to "bounce" a check by establishing two solid back-ups. The first line of protection is your Readi-Reserve (if you have one). If you write a check for more than your balance, we'll advance you an automatic loan sufficient to cover the check, in increments of $100, up to your established limit. If you are without a Readi-Reserve, or your limit is used up, overdrafts can also be covered by funds automatically transferred from your primary Share Money Manager Account to your checking account. (Transfers from shares may not exceed six per month). And, if you qualify, No Bounce Checking is available - for details, contact the Credit Union.
  
  
• ATM/PAT/VisionLine/MAT Access
  Checking funds are available 24 hours-a-day through the Credit Union ATMs, Phone Access Teller, VisionLine, and Member Access Terminals.
  
  
• VISA Check Card
  The perfect complement to your checking account. Use wherever Visa is accepted instead of writing a check. Available upon request*.
  *Check Card requires one transaction per month to avoid $1 service charge.
  
  

Fees and Charges

• VisionsPlus Checking
  If balance falls below $1,000 during the month: $8 monthly fee
  
  
• VisionsDirect Checking
  90 days without Direct Deposit: $8 monthly fee
  
  
• Visions "E" Checking
  If "E" relationship is not met during month: $8 monthly fee

To open any of these accounts or to find out more information, you may visit any of our branch offices and ask to speak with a Service & Sales Representative or you may call the Telephone Member Account Specialists.

For complete terms and conditions, see separate Share and Checking Accounts Agreements and Disclosure Statements. For complete list of fees and charges, see separate Fee and Service Charge Schedule