Checking Accounts

Checking Accounts

woman with checkbook

Are you looking for a checking account with no monthly fee and no minimum balance? You’re not alone and this product is created just for you! You’ll also have the convenience of a Visa Debit Card which earns points that you can use toward merchandise or travel. What’s not to love about that?

  • Minimum opening balance of $25.00, no monthly minimum balance requirement
  • No monthly fees
  • Interest is paid on accounts with an average minimum monthly balance of $2,500.00 or more
  • No limit of number of withdrawals, Point-of-sale transactions, or checks
  • Free Moneyline (bank by phone) access
  • Free eBranch home banking and mobile banking
  • Free Bill Payer
  • Visa Debit card
  • E-Deposits available with approval
  • Overdraft protection available. For more information, see below.
  • Free online viewing / printing of account history and cleared checks

View Rates Open Online

Checking with Courtesy Pay

All of the features listed for our regular checking account PLUS the added peace of mind that comes with Courtesy Pay. Courtesy Pay may be able to cover items even if there are not sufficient funds in your account. This is not a service to depend on but one that may come in handy if you’re facing an unexpected expense or make a mistake balancing your checkbook. In order to be eligible for checking with Courtesy Pay you must have direct deposit.

  • Minimum opening balance of $25.00, no monthly minimum balance requirement
  • No monthly fees
  • Interest is paid on accounts with an average minimum monthly balance of $2500.00 or more
  • No limit of number of withdrawals, Point-of-sale transactions, or checks
  • Free Moneyline (bank by phone) access
  • Free eBranch home banking and mobile banking
  • Free Bill Payer
  • Visa Debit card
  • E-Deposits available with approval
  • Overdraft protection available.
  • Courtesy pay of checks and other transactions made using your checking account, as well as automatic withdrawals.
  • A $29.50 fee will be applied to your account each time that your Courtesy Pay is utilized
  • Courtesy Pay costs the same as a Non-Sufficient Fund fee but actually pays your item rather than having it returned.

View Rates Open Online

 

Overdraft Protection

You have the option of signing up for Overdraft Protection on both Checking and Sterling Accounts that you have with Envision. For example, if you open a Checking Account, you may prefer to setup Overdraft Protection from your Savings Account. If you happen to spend more than what you have in your Checking Account, the funds from your Savings Account will be used to cover the transaction. Simply review the list of appropriate accounts on our Overdraft Protection Authorization form, select your preference and return the completed form to us.

Courtesy pay is also available to Members who utilize Direct Deposit. Please see the Checking Account with Courtesy Pay account information above for more details.

What You Need to Know about Overdrafts and Overdraft Fees

In compliance with the Federal Government's amendments to Regulation E, you must Opt In to continue receiving the benefits of overdraft protection on your checking account(s).

After August 15, 2010 overdrafts for ATM withdrawals and certain debit card purchases will NOT be covered and your transactions may be declined unless you Opt In to continue receiving this benefit. In other words, Envision Credit Union will not authorize and pay overdrafts for certain types of transactions and you will be DECLINED unless you ask us to by opting in below.

What is an overdraft?

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

  • Standard overdraft practices that come with your account including courtesy pay services to qualified members.
  • Offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.
What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for qualified members on the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We will not authorize and pay overdrafts for the following types of transactions unless you ask us to by opting in here.

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

What are overdraft fees?

Under our standard overdraft practices:

  • We will charge you a fee up to $35.00 each time we pay an overdraft.
  • There is no limit on the total fees we can charge you for overdrawing your account.

You can view our fee schedule for more information

Overdraft Opt-In

Option

Leave this field empty
 

Business Checking Accounts

Whether your business is well established or brand new, large or small, Envision Credit Union wants to provide you with an account that meets your needs.

Checking Account Options

Business Essential Checking
  • No monthly account fees
  • No minimum balance
  • 100 debit items per month clear free
  • $0.20 for each debit item over 100
Business Plus Checking
  • No monthly account fees with average monthly balance of $5,000 Monthly fee - $15 if average monthly balance criteria not met
  • 250 debit items per month clear free
  • $0.20 per item over 250
Business Advantage Checking
  • No monthly account fees with average monthly balance of $15,000 Monthly fee - $25 if average monthly balance criteria not met
  • Unlimited items clear free

Account Features

Free Debit Cards

Access your checking accounts 24-hours a day, withdraw cash and make purchases with a Free Envision Business debit card. Use your Debit card anywhere VISA is accepted. Debit card purchases are automatically deducted from your checking account. Your monthly statement details the location and amount of your purchases. You can also personalize your debit card with your business logo or business related photo at no additional charge. Just go to our web site, download your favorite picture to our picture card program, fill out the information and you’ll have your new, personalized card in just a few days.

Free eBranch

Go online 24-7 to access your Credit Union accounts at Envision. Check balances, transfer funds from savings to checking, see which checks have cleared (and see images of them), and make payments on your Envision credit card. Use your telephone to perform the same functions free via MoneyLine.

Free BillPayer

Set up your vendors in Bill Payer and it only takes minutes to pay your bills. No checks to write, no envelopes to address and no postage needed. You can set up on-demand payments or recurring payments.

Free eStatements

You can now receive a copy of your monthly statement and credit card statement online. Just log onto your e-Branch account and sign up. eStatements are free and available for you to view or print at your convenience. When you elect eStatements you will receive an email reminder each month that your statement is ready to be viewed. If you choose not to use eStatements you will be charged $5.00/month to receive paper statements in the mail.

Free eDeposits

This service provides a convenient way for you to deposit a paper check without having to travel to a branch or ATM. You initiate a deposit through eBranch by including the deposit details such as the amount, check number and payor. You get immediate credit, then you mail the check to the Credit Union. (Requires an application and qualification for service in advance.) Click here to fill out the Business eDeposit Application!

Merchant Services

Expand your customers’ payment options by allowing your business to accept credit and debit cards. We currently offer acceptance of VISA, MasterCard and Discover. You’ll also have the benefit of an Envision Credit Union Business Relationship Manager who’ll assist you throughout the process. Ask your member service representative about additional business services.

All Accounts are Insured

The National Credit Union Administration (NCUA) insures all deposits up to maximum of $250,000.

Overdraft Protection

Enjoy peace of mind with automatic overdraft protection. Funds from an Envision membership share (savings) account may be transferred to cover NSF items.

Click here to download our January 2014 Business Disclosure.

 

 

Live Chat

  Click here to Chat with us Live!