Share Draft (Checking) Account

• No Monthly Fees .
  
• No per check charges.
  
• Convenience of direct deposit, payroll deduction, worldwide ATM /Visa access.
  
• Overdraft protection is available from your savings or line of credit.
  
• The minimum opening deposit is $25.
  
• Deposits may be made through direct deposit or payroll deduction, by mail, or in person, or at 1000s of ATMs. Bank-by-mail envelopes are available for your convenience.
  
• Check your balance and sharedrafts (checks) cleared at no cost with Q400 Audio Response or from our interactive, highly-secure Web site. Make password-protected transfers between your share sub-accounts (inter-account transfers) or between your account and another account (intra-account transfers).
  
  

Cypress West sharedraft ATM / Visa card provides you access to cash through more than 100,000 machines in the U.S. and over 250,000 worldwide Plus®, Exchange®, Star Systems®, and Co-op® ATM machines. You can also access thousands of No $urcharge ATMs in California and throughout the U. S.

ATM Transactions

• Access to the No $urcharge ATM network.
  
• Deposit at hundreds of ATMs, at credit unions and banks at no charge.
  
• No annual ATM card fees with direct deposit.
  
• First six withdrawals per month are free. Each withdrawal in excess of six costs $1.50.
  
• Daily withdrawal limit: $200.00
  

Point-of-Sale Transactions

Use a Cypress West Sharedraft VISA Debit / ATM card at gas stations, grocery stores and merchants displaying the EXPLOREsm network or VISA logo. Make multiple purchases of up to $400 per day including cash back. (Some merchants may limit cash back.)

Use a Cypress West Visa Sharedraft Check Card to access your sharedraft checking, ATM machines and at point of sale terminals all over the world.

Enjoy the tremendous convenience and savings of financial transactions where you work:

• Direct deposit: provided by many employers allows you to automatically deposit your paycheck, Social Security, or retirement benefit. Make no unnecessary trips to the credit union and no waiting in teller or ATM lines.
  
  
• Payroll deduction (provided by cooperating employers): allows you to create an effective savings program. Payroll deduction can also be used to deposit funds into your savings, sharedraft, or IRA accounts, and to repay loans.
  
  
• The Q400 telephone Audio Response
  
  
• Q400 Personal Computer access; down load your transactions and load them into Quicken® to easily manage your money and reconcile your accounts