• At JMCU a minimum balance of $500 required and needs to be maintained at all times so that a service fee is not charged to the account.
• HASSLE FREE – WORRY FREE
• If balance falls below the $500 at any time throughout the 30 days, a service charge will be charged to the account in accordance with our rate and fee schedule.

• An initial deposit of $500 is required
• An average daily balance of $500 must be maintained to avoid a fee. If not, a fee will be charged according to the Fee Schedule. The average daily balance method will be used to calculate dividends and determine whether fees will be levied against the account.
• Dividends are accrued and credited monthly. If average daily balance is not maintained for the statement period, dividends will not accrue for that period.

Must have valid email address and continuously be enrolled in online banking and e-statements, at least 15 debit card transactions must post and clear in the monthly qualification cycle, and at least (1) one ACH credit of $300 must be posted to the checking account in the monthly qualification cycle and not in pending status.

• Earn dividends on your average daily balance up to $25,000 (subject to change without notification)
• Refund up to $15.00 in foreign ATM fees each month
• No minimum balance required
• Dividends deposited monthly into your checking account. The average daily balance method will be used to calculate dividends. No dividends will be paid if the account is closed prior to dividends being credited.
• Debit card transactions must post and clear during the monthly qualification cycle and may take one or more business days to clear. Pending transactions do not qualify. ATM transactions and transfers do not qualify.
• Monthly qualification cycle is the calendar month.
• The dividend rate and annual percentage yield* (APY) may change every month based on the determination of the credit union board of directors.
• Membership eligibility restrictions apply.

• An initial deposit of $2,500.00 is required
• An average daily balance of $2,500 must be maintained to avoid a fee. If not, a fee will be charged according to JMCU rate & Fee Schedule.
• Dividends are accrued and credited monthly. If average daily balance is not maintained for the statement period, dividends will not accrue for that period.
• Under Regulation D – this account is only permitted up to 6 pre-authorized or automatic withdrawals, telephone transfers, or transfers initiated by personal computer to another account at the same credit union or to a third party during a calendar month or statement cycle.
• No more than 3 of these 6 transfers can be made by share draft, draft, debit card or similar order and payable to third parties.
• Unlimited transfers/withdrawals, if done in person, at an ATM, by mail, by messenger or by a telephone call that results in a share draft or check being mailed to the member.