Where else are you going to find a checking account that pays you one of the highest dividend rates for a checking account, certificate or money market account in our marketplace and refunds you for any ATM fees you incur, up to $25 per cycle? If you haven't already opened a SmartRate Checking account, you could be leaving free money on the table.

How do you earn the "rewards" of SmartRate Checking?

• Make 10 Check Card transactions per cycle
• Enroll and receive eStatements
• Set-up one direct deposit or ACH auto debit per cycle

Other SmartRate Checking Benefits:

• No monthly service charge
• No minimum balance to avoid a monthly service charge
• Free Visa^® Check Card with Rewards Points (if approved)
• Free WebBanking™ and PhoneBanking
• Free eStatements
• Free WebPay™
• Free Direct Deposit / Payroll Deduction
• Complimentary financial review and free insurance analysis with Allegacy Investment Group
• View processed checks online
• Unlimited check writing
• Overdraft Options

Find out more about SmartRate Checking by visiting SmartRateChecking.com or stopping by your nearest Allegacy Financial Center.

You can apply for your SmartRate Checking account online by clicking on the "Secure Forms" icon inside WebBanking. If you are not currently registered for WebBanking, here is more information.

What is a cycle?
A cycle is approximately one calendar month. However, it will vary depending upon when the last business day of the month falls. A cycle is from the last business day of the previous month to the second to the last business day of the current month. Qualifying transactions must post to the account before the end of the business day.

2010	Cycle Begins	Cycle Ends
	Dec 31	Jan 29
	Jan 30	Feb 26
	Feb 27	Mar 30
	Mar 31	Apr 29
	Apr 30	May 28
	May 29	Jun 29
	Jun 30	Jul 30
	Jul 31	Aug 30
	Aug 31	Sep 29
	Sep 30	Oct 29
	Oct 30	Nov 29
	Nov 30	Dec 30

PLEASE NOTE: Whether you use your check card as a PIN-based transaction or credit-based and sign your name, when your transaction is final is dependent on when the retailer completes the transaction. In other words, you buy dinner on July 25 but the restaurant does not complete, or post, the transaction until August 5.

For data processing purposes, we go by when the transaction is complete. It doesn't happen often but sometimes members think they met the deadline for doing a check card transaction only to find the retailer didn't complete it until after the deadline. Just remember, those transactions get you a "head start" on the next month's total.

In addition, for your direct deposit to count towards your cycle requirement, it must process prior to the cycle end date. This date is determined by each employer’s internal process. Please consult your payroll department/contact for your end of month processing dates.

This credit union is federally insured by the National Credit Union Administration.