Checking Accounts

Everyone should have a checking account. And Extra Credit Union provides options with great benefits and everything you need—in one place.

Extra Credit Checking

Extra Credit Checking account gives you tons of added benefits, while still giving you all the services you’ve come to love with a standard checking account:

Account numbers remain the same
Access to our full CO-OP Network of ATM’s throughout the country
Keep up with your account via eBanking
Convenient auto-pay options are available
No debit card transaction fees
No check-cashing fees
FREE debit or ATM card

Plus, Extra Credit Checking account gives you:

A FREE box of checks annually (once your account is active for 90 days)
IDProtect®, our identity theft monitoring and resolution service¹, with credit file monitoringmonitoring (Some benefits require registration/activation)²
Accidental Death & Dismemberment Insurance²—up to $10,000 in coverage (coverage divides equally on joint accounts and reduces by 50% at age 70)
Debit Advantage^®, which gives you Buyer’s Protection² and Extended Warranty² for item(s) purchased with your Extra Credit Checking account
Cell Phone Protection² (if the cell phone bill is paid through this account)—receive up to $400 of replacement or repair cost for damaged or stolen cell phones
Health Discount Savings - This is NOT insurance (registration/activation required)
$hopping Rewards^TM (registration/activation required; available via mobile or web only)
Travel and Leisure Discounts (available via mobile or web only)

Registering your account easy, too! Simply log in to to your Extra Credit Union Online or Mobile Banking and navigate to your Dashboard to get started and access your benefits. Joint Account Holders: You can also access your benefits by going to extracredit.clubchecking.com and use the access code provided to you at account opening.

Keep in mind that there is a $5 monthly service fee for the Extra Credit Checking account, which will be withdrawn from your account on the last day of every month.

We encourage you to experience all the benefits! If you feel this account isn’t right for you and you’d rather return to your original account type without all the benefits, we will be happy to help! Email us at info@ExtraCreditUnion.org with your account number and let us know that you want to opt out of the Extra Credit Checking and return to your previous account or call us at 877-638-7628 and one of our staff members will help you return to your original account settings.

¹^{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.}
² ^{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 insurance document. Insurance products are not insured by the NCUA or any federal government agency, not a deposit of or guaranteed by the credit union or any credit union affiliate.}

Checking Account

What makes our checking accounts so awesome? Well, they’re:

FREE (a good start, huh?)
Extremely accessible with more than 30,000 ATMs through a nationwide, CO-OP Network, in addition to shared branching, and Credit Union Family Service Centers
Remote access services to access your checking accounts any time you want, anywhere you happen to be, through eBanking, eBanking App, and ATMs
Very convenient through automatic payments online, automatic transfers, and direct deposit
Only a $20 minimum deposit required
Three overdraft options, including setting up Overdraft Transfers, flexLINE of Credit, and Courtesy Pay up to $500
No additional charges:
- No debit-card-transaction fees
- No check-cashing fees
- No per-check fees
- No withdrawal fees

Plus, get a free debit or ATM card!

Get instant access to your money with an ATM/Debit Application when you sign up for a checking account. Rather than lugging around your stack of $100 bills, use your debit or ATM card to draw money directly from your checking account.

Once you apply for an ATM/Debit Application, use it any of the more than 30,000 ATMs throughout Michigan and across the country, without ATM fees. Use your Debit card to withdraw cash, make deposits, and transfer money, plus make purchases at any store or restaurant displaying the Mastercard logo…anywhere in the world.

Mastercard Secure Code

MasterCard Secure Code provides advanced security for online shopping when using your Extra Credit Union debit card.

Mastercard Secure Code terms of use agreement.

Apply today!

Simply download an ATM/Debit Application, visit an Extra Credit Union's Main Office, or call us at (586) 276-3000. Visit our FAQ page for more information.

If your debit or ATM card has been lost or stolen, please visit our designated informational page.

Mastercard® Guide to Benefits for Extra Credit Union Debit Cardholders.

Three ways to protect your checking account

Isn’t it embarrassing to get stuck without enough cash at the register? (Awkward!) At Extra Credit Union, you have three different ways to protect your checking account to avoid embarrassment, overdraft fees, and hassles:

Overdraft Transfer—If your checking account is overdrawn, funds from another Extra Credit Union account(s) can be automatically transferred to cover the cost (for a fee of $3 per transfer). Call or visit Extra Credit Union to set up this service from the account of your choosing today.
flexLINE of Credit—This revolving line of credit transfers funds to your checking account to cover a purchase when there are non-sufficient funds (NSF). Repayments are made from the member’s account in which they designate. Apply for flexLINE of Credit to get started.
Courtesy Pay—This overdraft program covers you for overdrafts up to $500 when making purchases, which helps members with checking accounts in good standing to avoid a non-sufficient funds fee, bounced check or late fees. Courtesy pay is automatically added to your account after 90 days, with no application necessary. The program does not automatically apply to ATM withdrawals or purchases at retailers. For Point-of-Sale Pay {allows Courtesy Pay to kick in when making purchases with an ATM or debit card}, you must opt in. If you’re already enrolled in this service and wish to discontinue, you must opt out. The quickest way to enroll or discontinue this service is by logging in to eBanking. Next, select the opt in/opt out Point-of-Sale Pay option under the “services” tab. Or, feel free to call us at (586) 276-3000 for assistance.

* The courtesy pay program is just that, a courtesy, and is not an extension of credit. It does not constitute a written agreement of obligation or a pre-arranged agreement for Extra Credit Union to pay a member’s overdrafts, and we may withdraw the service at any time. Point-of-Sale Pay is not automatically available for ATM withdrawals or PIN-generated debit transactions; you must opt in. Please review the courtesy pay policy or call Extra Credit Union at (586) 276-3000 for complete details.

Clean Slate Checking

Need to pay bills, but can't get approved for a checking account at another financial institution? That can be tough—and defeating. Stop at Extra Credit Union's Main Office to speak with a friendly and knowledgeable member service representative to see if Extra Credit Union's Clean Slate Checking can give you the second chance you've been searching for.

Clean Slate Checking offers the opportunity to pay bills, build better credit and get a fresh, clean slate on the path to future financial success. Visit us to inquire about your fresh start and to get details on all the benefits Clean Slate Checking has to offer.

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