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)

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

  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)

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

  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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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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mY generation checking

  $25.00 minimum to open

  3.00% 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:
  Must make at least 12 debit card transactions per cycle (excluding ATM transactions)

  Must receive an e-Statement each cycle

  Must set up a direct deposit or one ACH Auto Debit per cycle

  Must access SACU OnlineAnytime



LIMITATIONS:
  If the balance exceeds $25,000 and the requirements are met, a dividend of 1.01% APY will be paid on the balance above $25,000.

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

  The APYs listed above are as of April 25, 2008. These 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 statement cycle when the requirements are met.

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

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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 cards at a network of more than 100 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 and you will automatically earn one bonus point for every $2 spent. Use sign-based transactions on your purchase rather than PIN-based transactions to earn the points, which can easily be tracked and redeemed for program gift awards by visiting www.scorecardrewards.com.

With an SACU Alamo MasterCard^® and an SACU debit card, you get the opportunity to earn twice as many bonus points and have the option to redeem the points for cash-back. The cash-back rebate earnings are calculated on a tiered structure of eligible credits — one point for every $2.00 spent.

Important: Preventing fraudulent activity on your debit card.
SACU has a Web-based tool, TranBlocker, which allows us to block or unblock debit card transactions originating in countries where the incidence of fraud is high. SACU members are now able to use their SACU debit cards internationally in all foreign countries when conducting a pinned transaction at an ATM or when making a purchase from a merchant using a pin number. In the event your debit card is denied while conducting an international transaction 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).

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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.