Checking Accounts

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Disclosure: Checking account(s) with qualifying direct deposit may receive payroll funds up to two days earlier than the scheduled payday. This service is dependent upon the payor's transmission of payment instructions and is not available for all deposit types. Ineligible deposits may include, but are not limited to, tax refunds and non-payroll payments. Customers should expect a delay of up to two deposit cycles for the service to become active. Daily and per-transaction limits apply.

*Terms and Conditions. APY = Annual Percentage Yield. The Free Plus Checking Account includes an APY of 0.10% and Choice Plus earns 1.00% for balances $0 to $24,999.99 and .10% for balances $25,000 and greater as of May 1, 2023. No transaction limitations apply to this Account. One membership Share account is required per primary member. Free Plus Checking Account includes monthly e-statements at no charge. If you would prefer to also receive printed monthly statements mailed to you, that optional service is available for a fee of $5 per month. Checking account(s) with qualifying direct deposit may receive payroll funds up to two days earlier than the scheduled payday. Early Pay is dependent upon the payor's transmission of payment instructions and is not available for all deposit types. Ineligible deposits for Early Pay may include, but are not limited to, tax refunds and non-payroll payments. Customers should expect a delay of up to two deposit cycles for the service to become active for Early Pay. Daily and per-transaction limits apply.

**Loan Rate Discount: For Choice Plus checking accounts, the member can receive a .25 rate discount on Vehicle, RV, Boat, Motorcycle, Powersport, and Lifestyle loans.

🗲 Checking account(s) with qualifying direct deposit may receive payroll funds up to two days earlier than the scheduled payday. This service is dependent upon the payor's transmission of payment instructions and is not available for all deposit types. Ineligible deposits may include, but are not limited to, tax refunds and non-payroll payments. Customers should expect a delay of up to two deposit cycles for the service to become active. Daily and per-transaction limits apply.

† Checking account benefits are provided by NXG Strategies and details can be reviewed at socu.nxgstrategies.com or you can call 1-866-647-6223. Registration requires an Enrollment ID provided by Service One Credit Union, please contact 270-796-8500 to receive a unique Member ID. Identity Theft expense reimbursement insurance up to $25,000 for out-of-pocket expenses incurred during the recovery process. Credit Monitoring watches for new activity that might appear on your TransUnion® credit report, including credit inquiries, new credit lines, derogatory credit, name changes and address changes. Dark Web Monitoring is an intelligent and proactive identity theft detection solution that searches for compromised information across the deep and dark web. In the event that any of your registered information is detected in this environment as being used or transacted fraudulently, you will be alerted, and provided with corrective actions. This service also provides easy, secure online storage of your credential data for retrieval in the event of theft of a purse or wallet, or home disaster. Savings and Discount program offers savings on dining, travel, shopping, and entertainment; it can be accessed on the My Deals Mobile℠ app or at nxgsave.enjoymydeals.com anytime. Mobile Phone Coverage includes Accidental Damage, Mechanical Failure, and Theft for all mobile phones owned by the primary account holder, no pre-registration required, includes cracked screens, liquid spills, burglary, and robbery, pays up to $500 minus a $50 deductible, 2 claims per consecutive 12-month period, 30 day waiting period after coverage start date for damage or mechanical failure, no waiting period for theft, damages that occur during waiting period are not covered.