Michigan Made Checking:

*APY = Annual Percentage Yield. APY is accurate as of 9/2/2020. This Account is subject to a Reward-based Tiered Fixed Rate. Rates subject to change. There are no recurring monthly service charges or fees to open or close this account. There is no minimum balance requirement. Rewards Checking Account allows you to control your interest rate reward based on the products/services used during each month. All daily collected balances will earn interest based on the combined rate rewards. Each monthly reward cycle will begin on the last business day of the preceding monthly statement cycle and end on the day that immediately precedes the last day of the current month's statement cycle ("monthly reward cycle"). Earned reimbursements will post to Your Account on the last day of each statement cycle, subject to Your meeting the qualifying criteria during the preceding reward cycle. The APY shown on your monthly statement will reflect interest earnings for your entire balance. Interest will be calculated and posted on the last day of each month using an Average Daily Balance Method. If you close your account before interest is paid, you may not receive the accrued interest. Fees may reduce earnings. Limit one Michigan Made Checking Account per Social Security number. Debit cards based on eligibility. Loans based on approval. Membership eligibility guidelines apply.

Golden Power Checking:

*$2 monthly service fee after first year.

Minimum Balance Requirements: No minimum balance requirements apply to this account.
Transaction Limitations: There are no transaction limitations for this account.

This account is also subject to such other terms, conditions, and service charges as the credit union may establish from time to time.

Just Checking:

JUST CHECKING (SHARE DRAFT) ACCOUNT DISCLAIMER APRIL 2017

Rate Information: The checking (share draft) account does not earn dividends.

Minimum Balance Requirements: No minimum balance requirements apply to this account.

Transaction Limitations: There are no transaction limitations for this account.

Checking Account Agreement with Overdraft Transfer Clause: I/we hereby authorize the credit union to establish this checking account for me/us. The credit union is authorized to pay checks signed by me (or by any of us) and to charge all such payments against the shares in this account. It is further agreed that: (A) Only check blanks and other methods approved by the credit union may be used to make withdrawals from this account. (B) the credit union is under no obligation to pay a check that exceeds the fully paid and collected share balance in this account; the credit union may, however pay such check and transfer shares to this account in the amount of the resulting overdraft, plus a service charge, from any other regular share account from which any of the undersigned is then eligible to withdraw shares. (C) The credit union may pay a check on whatever day it is presented for payment, notwithstanding the date (or any limitation on the time of payment) appearing on the check. (D) When paid, checks become the property of the credit union and will not be returned either with the periodic statement on this account or otherwise. (E) Except for negligence, the credit union is not liable for any action it takes regarding the payment of nonpayment of a check. (F) Any objection respecting any item shown on a periodic statement of this account is waived unless made in writing to the credit union before the end of 60 days after the statement is mailed. (G) This account is subject to the credit union’s right to require advance notice of withdrawal, as provided in its bylaws. (H) This account is also subject to such other terms, conditions, and service charges as the credit union may establish from time to time.