SACU offers its members a variety of easy and convenient checking accounts.
As an account holder, you get a free SACU CashAnytime^® debit card and access to online bill pay.

Share Savings
  $5.00 minimum deposit to open

  Four withdrawals/transfers per monthly cycle with no fee ($2 fee for each additional withdrawal)

  Access to funds with an SACU CashAnytime^® Debit/ATM Card (Share Savings access is not available through Point of Sale (POS) terminals)

  Dividends are paid quarterly on a minimum daily balance of $100^*

  Maintain a minimum daily balance of $1,500 or more within a monthly cycle and pay no withdrawal fee

  Share Insurance Information

Account Holders Under the age of 21:
  $5.00 minimum deposit to open

  Unlimited withdrawals

  Access to funds with an SACU CashAnytime^® Debit/ATM Card (Share Savings access is not available through Point of Sale (POS) terminals)

  Dividends are paid quarterly on a minimum daily balance of $5.00

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Free Checking
  $25 minimum deposit to open

  No monthly service fee

  No minimum balance required

  Unlimited check writing privileges

  Unlimited access to funds with a SACU CashAnytime^® Debit Card

  Non-dividend bearing

  May receive discounts on selected Consumer Loans if the payment is automatically deducted from your Free Checking Account

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mY generation checking
Meet four simple requirements each monthly qualification cycle in order to earn a special, high dividend rate and have your ATM fees reimbursed. Even if you don't meet all four requirements, there's never a minimum balance or monthly service fee and you still earn dividends at the SACU base checking rate.

  $25.00 minimum to open

  High Annual Percentage Yield (APY) interest on balances up to $25,000

   No minimum balance

  No monthly service fees

  May take advantage of PayAnytime, the SACU OnlineAnytime® bill pay service, as an added convenience

  Unlimited access to funds with an SACU CashAnytime® Debit Card

  May receive discounts on selected Consumer Loans if the payment is automatically deducted from your mY generation checking account


REQUIREMENTS:
  Post and clear at least 12 debit card transactions (excluding ATM transactions)

  Receive an e-Statement

  Post and clear one direct deposit or ACH auto debit

  Access SACU Online Anytime during the monthly qualification cycle



LIMITATIONS:
  If the balance exceeds $25,000 and the requirements are met, an alternate APY will be paid on the balance exceeding $25,000.

   If you fail to meet the requirements for the monthly qualification cycle, a dividend equal to the SACU base checking rate will be paid on all balances.

  APYs are variable and subject to change at any time.

  Fees may reduce earnings on this account.

  Dividends are calculated using the Daily Balance Method and paid on all balances.

  ATM transaction fees will be automatically refunded, up to $25, during each monthly qualification cycle when the requirements are met.

  If the requirements are not met for a monthly qualification cycle, ATM transaction fees will not be refunded.

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The Works^® Checking
  $25 minimum deposit to open

  No monthly service fee with a daily balance of $500 or more, a $1500 combined checking and share savings balance¹, or by maintaining a $5,000 Share Certificate (Otherwise, a $7 monthly service fee will be charged)

  Unlimited check writing privileges

  Unlimited access to funds with a SACU CashAnytime^® Debit Card

  Dividends are paid monthly on a minimum daily balance of $500^*

  May receive discounts on selected Consumer Loans if the payment is automatically deducted from your The Works Checking Account

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Gateway Checking
  $2,500 minimum deposit to open

  No monthly service fee with an average monthly balance of $2,500 or more (Otherwise, a $10 monthly service fee will be charged)

  Unlimited check writing privileges

  Unlimited access to funds with a SACU CashAnytime^® Debit Card

  May take advantage of PayAnytime, the SACU OnlineAnytime^® bill pay service, as an added convenience

  Earn Money Market rates and receive higher dividends as your balance grows² (Tiered dividends are paid monthly on balances of $2,500 or more^*)

  May receive discounts on selected Consumer Loans if the payment is automatically deducted from your Gateway Checking Account

  Funds deposited at SACU are insured up to $250,000 by the National Credit Union Administration (NCUA)

  Free ACH and wire transfers to purchase investments from CUSO Financial Services, L.P.,(CFS)³

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50 Gold Checking
  $25 minimum deposit to open

  No monthly service fee

  Unlimited SACU CashAnytime^® Debit Card access to account

  Unlimited check writing privileges

  Dividends calculated using the daily balance method

  The dividend rate is variable and may change at any time after the account is opened

  Dividends paid monthly on a minimum daily balance of $500^*

  Discount on safe deposit boxes and custom checks

  Free (standard) Travelers' Checks

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Extra Value Checking
  $25 minimum deposit to open

  $5 monthly service fee, $4 with direct deposit

  Unlimited access to funds with a SACU CashAnytime^® Debit Card

  Unlimited check writing privileges

  May take advantage of PayAnytime, the SACU OnlineAnytime^® bill pay service, as an added convenience

  Dividends are paid monthly on all balances^*

  No minimum daily balance required to earn dividends

  Savers Club^® Book

  $100,000 Accidental Death/Common Carrier Life Insurance

  Credit card protection

  Key ring registration and protection

  Free subscription to Sojourns travel magazine

  Auto trip routing

  May receive discounts on selected Consumer Loans if the payment is automatically deducted from your Extra Value Checking Account

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Extra Value Checking Plus
All the benefits of an Extra Value Checking Account, plus:

  $6 monthly service fee, $5 with direct deposit

  Unlimited access to funds with a SACU CashAnytime^® Debit Card

  May take advantage of PayAnytime, the SACU OnlineAnytime^® bill pay service, as an added convenience

  Dividends are paid monthly on all balances^*

  No minimum daily balance required to earn dividends

  Two boxes of SACU custom checks free at account opening

  Cashier's Checks, Money Orders and official checks at no additional cost (limit 10 each month)

  Travelers' checks at no additional cost (Checks for two not included)

  15% discount on a safety deposit box rental (selected locations)

  $250,000 Accidental Death/Common Carrier Life Insurance

  ID Network^TM Safety Service

  Medical Emergency Data Card

  Shoppers Advantage^® Discount Product Club

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CashAnytime^® Debit Card
SACU provides you with a free CashAnytime or Spurs debit card when you open any SACU checking account. You can enjoy easy access to your funds with your SACU debit card at a network of ATMs in the San Antonio and Houston areas and through millions of MasterCard^® merchants worldwide. You can also take advantage of our debit card rewards program free of annual fees. Use the card for everyday retail purchases. When you choose signature-based transactions for your purchases rather than PIN-based transactions, you will automatically earn one bonus point for every $2 spent. You can easily track your bonus points and redeem them for program gift awards at www.scorecardrewards.com.

When you use any SACU MasterCard^® credit card and any SACU debit card, you earn rewards faster and have the option to select either bonus points or cash back. For more information on SACU's card rewards program, visit www.scorecardrewards.com or call the Member Service Center.

Important: Preventing fraudulent activity on your debit card.
From time to time, financial institutions are alerted to breaches that may compromise debit cards. To reduce the risk of card fraud and to protect your account, SACU may block certain types of debit card transactions in foreign countries and/or within the United States.

However, even in blocked countries or within certain merchant categories, SACU members are able to use their SACU debit cards when conducting a PINNED transaction.

In the event your debit card transaction is denied or for more information, please call our Member Service Center Monday-Friday 8 a.m. to 6 p.m. Central Time at (210) 258-1234 or U.S. toll free at 1-800-688-SACU (7228).

If you plan to use your SACU debit card while traveling, please contact our Member Service Center with information about your travel itinerary and your dates of travel so that we can minimize any inconvenience to you.

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Lost or Stolen SACU Debit Cards Hotline

24 hours a day/7days a week - Call 1-800-472-3272

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* Dividends are calculated using the daily balance method. The rate is variable and may change at any time after the account is opened. Fees could reduce the earnings received on the account.
1 Your Share Certificate must have the same account number as your checking account. IRA Share Certificates are ineligible.
2 If the account balance drops below $2,500 as an average daily balance over the course of the statement cycle, dividends no longer accrue on the account.
3 Securities are offered through CUSO Financial Services, L.P.,(CFS). Investment products and services offered through CUSO Financial Services, L.P. (CFS), are: not NCUA/NCUSIF insured, are not obligations of the credit union, are not credit union guaranteed and may lose value. Investment representatives are employees of San Antonio Federal Credit Union (SACU) and registered through CFS. SACU is affiliated with CFS. (Member FINRA/SIPC.