Important Information & Disclosures

Service Fees: A simple explanation of exactly what you can be charged and when.

Truth-in-Savings Disclosure: The rates, terms and limitations that apply to your account.

¹ Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.

² Available for the account holder(s) and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.

³ Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.

⁴ Overdraft/Courtesy Pay. If, on any day, the available balance in your share or deposit account is not sufficient to pay the full amount of a check, draft, transaction, or other item, plus any applicable fee, that is posted to your account, we may return the item or pay it as a courtesy for a fee. Affinity Plus’ overdraft courtesy pay program is at the sole discretion of the credit union. The credit union may refuse to provide the courtesy on any amounts at any time and from time to time. An overdraft/courtesy pay fee of $15 will be imposed for each time the credit union provides the courtesy, as set forth in our Personal Service Fees Brochure. Members, however, are allowed to go up to $100 negative without incurring a courtesy pay/overdraft fee. Our standard overdraft services under our overdraft courtesy pay program allows us to authorize payment for the following types of transactions or items: (1) share drafts (or checks) and other items made using your checking account; (2) automatic bill payments; and (3) ACH transactions. We do not offer standard overdraft services (or courtesy pay) for ATM or one-time debit card transactions. Members have 45 days to repay any negative balance in your share or deposit account.

⁵ There's no surcharge fee when you use your Affinity Plus debit card at an Affinity Plus ATM or at an ATM within our network (MoneyPass, CO-OP and SUM). Transactions made outside of our network may be subject to third-party fee.

⁶ Your early access to direct deposits depends on the payer and when they submit their payment file. Affinity Plus usually makes these funds available the day we get the payment file, which can be 1 – 2 days earlier than the scheduled payment date.