Checking Accounts - Lewiston, Maine | Community Credit Union

Find the right checking account for your needs!

Personal Checking

Take advantage of many convenient features with our Checking Account.

LeCheque Checking
LeCheque Checking
Community Credit Union’s personal Checking Account also known as LeCheque offers lots of convenient features that make managing your account easy on you (and your wallet) with no minimum balance fees! Check out all the great features offered:
- No monthly service charge
- No minimum balance
- Unlimited check writing
- Online Banking
- Mobile Deposit Capture
- Digital check images at no charge through Online Banking
- e-Statements
- Free Bill Payer³
- eAlerts
- LA Connection
- Free Visa ATM/Debit Card¹
- Free SURF ATM network use²
Silver Elite Checking
Silver Elite Checking
You've Earned It! This is specifically designed for our members over the age of 65. Some of the great benefits include:
- One complimentary box of checks per calendar year
- No paper statement fee
- Free print out of statement (or mini statement) monthly
- Waived Share Certificate penalties for life's emergencies
- No monthly service charge
- No minimum balance
- Unlimited check writing
- Online banking
- Mobile Deposit Capture
- e-Statements
- Free Bill Payer³
- eAlerts
- LA Connection
- Free Visa ATM/Debit Card¹
- Free SURF ATM network use²

¹Debit/Check Card can be used anywhere Visa is accepted.

²There is no fee for ATM transactions when used at an ATM within the SURF Alliance Network.

³There is no regular monthly fee for bill payer. If you do not use bill payer for 60 days you will incur a $4.95 per month fee. You may cancel bill payer at any time.

All of Community Credit Union's Checking Accounts offer Overdraft Protection. You may take advantage of our overdraft transfer from a share account, Member Privilege or LeCheque Mate.

Savings are federally insured to at least $250,000.00 and backed by the full faith and credit of the United States Government, the National Credit Union Administration.

While your first order of checks needs to be ordered through a Community Credit Union branch location, reordering checks is simple and easy. First time check orders must be placed through a Community Credit Union Member Represenative.

Reorder Checks

Business Checking

High on features and low on cost, simplify your Business Checking with Community!

Businesses come in all different shapes and sizes with unique needs. The Business Checking Account offers lots of convenient features to manage your account without lots of restrictions. Features of our Business Checking include:

No minimum balance
Unlimited check writing
Online Banking
Mobile Banking
Mobile Deposit Capture
Digital check images at no charge through Online Banking
e-Statements
Bill Payer
eAlerts
LA Connection
No Fee VISA ATM/Debit Card when used at Credit Union’s SURF ATM Alliance terminals
Member Privilege (Business Members cannot opt out)
$10.00 monthly service charge
Up to $50.00 on first order of checks paid by Community Credit Union

While your first order of checks needs to be ordered through a Community Credit Union branch location, reordering checks is simple and easy. First time check orders must be placed through a Community Credit Union Member Represenative. Reorder Checks

Not for Profit Checking

Not for profits can take advantage of many convenient features with our Checking Account.

Organizations come in all different shapes and sizes with unique needs. The Not for Profit Checking offers all the convenient features of a Business Checking with no monthly fee. Features of our Not For Profit Checking include:

No minimum balance
Unlimited check writing
Online Banking
Mobile Banking
Mobile Deposit Capture
Digital check images at no charge through Online Banking
e-Statements
Bill Payer
eAlerts
LA Connection
No Fee VISA ATM/Debit Card when used at Credit Union’s SURF ATM Alliance terminals
Member Privilege (Business Members cannot opt out)
Up to $50.00 on first order of checks paid by Community Credit Union

While your first order of checks needs to be ordered through a Community Credit Union branch location, reordering checks is simple and easy. First time check orders must be placed through a Community Credit Union Member Represenative. Reorder Checks

Member Privilege

At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your Checking Account.

At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your Checking Account. Having a check returned due to insufficient funds can be a costly, inconvenient and potentially embarrassing experience. At Community Credit Union, we do not encourage overdrafts. As always, we encourage you to manage your finances responsibly. However, we want to save you from the additional merchant fees and possible damage to your credit history that might result if a check is returned. That's why we provide Member Privilege, a special overdraft service for Community Credit Union’s members.

What is Member Privilege?

What is Member Privilege?
Member Privilege is a discretionary overdraft service, requiring no action on your part, which provides you a safety net up to an automatically assigned overdraft limit. Your Member Privilege limit may be available for checks and other transactions made using your Checking Account number, such as a teller withdrawal, an automatic (ACH) payment transaction, automatic bill payment or recurring debit card payment. If you request us to do so (opt in) we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your Member Privilege limit. For business accounts only, the limits may be available for ATM and everyday debit card transactions with no action required.
How does Member Privilege work?

How does Member Privilege work?
There are several ways your account can become overdrawn, such as (1) the payment of checks, electronic funds transfers or other withdrawal requests; (2) payments authorized by you (i.e. debit card at point of sale); (3) the return of unpaid items deposited by you; (4) credit union service charges; (5) the deposit of items which, according to the credit union’s Funds Availability Policy, are treated as not yet available. As long as you maintain your account in "good standing" we may approve your overdraft items within your current available Member Privilege limit as a non-contractual courtesy. For Mem Priv OD (Member Privilege Overdraft) consideration, your account is in “good standing” if you (1) deposit enough money to bring your account to a positive end-of-day balance at least once every 30 calendar days (including the payment of all credit union fees and charges); (2) avoid excessive overdrafts suggesting the use of Member Privilege as a continuing line of credit; (3) there are no legal orders, levies or liens against your account; and (4) the member is current on all accounts with the Credit Union. Accounts designated as Youth Accounts and/or Payee Accounts are ineligible to participate in the Credit Union’s Member Privilege program. Please note that the amount of the overdrafts plus our paid item Mem Priv OD fee of $29.00 for each item will be deducted from your overdraft limit. If the item is returned, the returned item NSF fee of $29.00 will be deducted from your account. No interest will be charged on the overdraft balance. Community Credit Union reserves the right to limit participation to one account per household (or business) or to suspend, revoke, or discontinue this service without prior notice.
What does Member Privilege cost?

What does Member Privilege cost?
There is no additional cost associated with this privilege unless you use it. You will be charged our paid item Mem Priv OD fee of $29.00 for each overdrawn item created by checks and other transactions made using your Checking Account number, such as a teller withdrawal, an automatic payment (ACH) transaction, automatic bill payment or a recurring debit card payment; and for business accounts only, ATM and everyday debit card transactions. We will not charge you a fee if the transaction that caused you to go negative is $5.00 or less. We will also limit the number of overdrafts we charge you for overdrawing your account to seven (7), or $203, per day. For personal accounts only, if you have requested us to do so, we may authorize and cover ATM transfers or withdrawals and everyday debit card purchases. If you request us to do so (opt in), we may authorize ATM transfers or withdrawals and everyday debit card purchases by using your available balance and your Member Privilege limit. Your balance at the time these transactions post will determine the overdraft status and the assessment of fees. Other transactions initiated by you, or a delay in processing authorized transactions by the merchant, may result in previously authorized transactions posting against an insufficient balance. A paid item Mem Priv OD fee of $29 will be charged for each ATM or everyday debit card transaction that posts against insufficient funds. Once opted in, you may revoke your authorization at any time by contacting us at 207-783-2096. In the normal course of business, we generally pay electronic transactions first and then checks, per the Credit Union’s policy; however, checks are often converted to electronic transactions which may post to your account more quickly, affecting the order in which they post. In addition, we post incoming transactions in real time, so checks and other debits to your account may post before deposits and other credits. If there are insufficient funds in your account at the time a transaction posts, you will be charged for each item. We reserve the right to change the order of payment without notice to you if we suspect fraud or possible illegal activity affecting your account. Also the order we pay your items may create multiple overdraft items during a single banking day and you will be charged our paid item Mem Priv OD fee of $29 for each overdraft item paid. We will not charge you a fee if the transaction that caused you to go negative is $5.00 or less. We will also limit the number of overdrafts we charge you for overdrawing your account to seven (7), or $203, per day. Multiple paid items will result in multiple fees. For example, three paid items in one day will result in $87.00 in paid item Mem Priv OD fees. To help you manage your account, the total fees you have paid for items (both paid and returned) during the current month and for the year-to-date will be reflected on your monthly checking statement.

What is my Member Privilege limit?

How quickly must I repay my Member Privilege?

How quickly must I repay my Member Privilege?
You should make every attempt to bring your account to a positive end-of-day balance as soon as possible, and must do so within 30 calendar days. If you are not able to do so, you will receive a letter from Community Credit Union informing you that your Member Privilege limit has been suspended and additional items will be returned. If your limit is suspended your account will be suspended from our Member Privilege program for six months, if your account remains in good standing during those six months you may request to again be enrolled in the Member Privilege program.

What are some ways I can access my Member Privilege limit?

What are some ways I can access my Member Privilege limit? Will my limit be reflected in the balance I receive?

The chart below shows the different ways you can access your Member Privilege limit and indicates whether or not this limit will be reflected in the balance provided.

Access Point	Is my Member Privilege limit available?	Does the balance provided reflect my Member Privilege Limit?
Teller	Yes	No
Writing a check	Yes	N/A
Visa Debit Card (recurring)	Yes	N/A
Visa Debit Card (everyday)	No²	N/A
ATM Withdrawal	No²	No
ACH - Auto Debit	Yes	N/A
Online Banking	Yes	No
Bill Payer	Yes	N/A
LA Connection	Yes	No

²Member Privilege service will be made available for ATM or everyday debit card transactions on personal accounts upon your request. Call 207-783-2096 or visit one of our branches to arrange for your ATM and Debit Card coverage. No action is required for business accounts.

What if I go beyond my Member Privilege limit?

What if I go beyond my Member Privilege limit?
Normally, we will not approve an overdraft for you in excess of the predetermined limit assigned to your account. So as not to exceed your limit, please remember that the amount of the overdraft plus our Mem Priv OD fee of $29 for each item will be deducted from the Member Privilege limit. Overdrafts above and beyond your established Member Privilege limit may result in checks or other items being returned to the payee. The returned item NSF fee of $29.00 will be charged per item and assessed to your account. Returned items may be presented for payment by the payee. The returned item NSF fee of $29 will be charged per item and assessed to your account. Returned items may be presented for payment by the payee or their financial institution multiple times, which may result in multiple NSF fees. An Overdraft/NSF notice will be sent to notify you of items paid and/or returned. You must bring your balance below the Member Privilege limit will be suspended for six months. If your account remains in good standing during those six months you may request to again be enrolled in our Member Privilege program.
What if I am having trouble repaying my Member Privilege or use it frequently?

What if I am having trouble repaying my Member Privilege or use it frequently?
Please contact us at 207-783-2096 if you: (1) do not believe you will be able to bring your account to a positive end-of-day balance within the required time period; (2) find that you are using Member Privilege more often than you intended; or (3) don’t understand why your account becomes overdrawn. We would like to discuss your situation with you. . We may refuse to pay an overdraft item at any time even though we may have previously paid overdrafts for you. For example, we typically do not pay overdraft items if your account is not in good standing as defined above, or if based upon our review of your account management, we determine that you are using Member Privilege excessively or seem to be using Member Privilege as a regular line of credit. You will be charged a returned item NSF fee of $29 for each item returned. . Following regulatory guidance, we will contact you if you are paying multiple Overdraft Fees, to discuss possible alternatives to Member Privilege that may better meet your short term credit needs. In the event you ask us to stop contacting you because you have determined Member Privilege is appropriate for your needs, we will honor your wishes. However, if we identify that the number and frequency of overdrafts increases materially for an extended period of time at some point after that, we may contact you again to ensure Member Privilege is still the most appropriate option available to you for covering your short term credit needs.
How do I know when I use the overdraft limit?

How do I know when I use the overdraft limit?
You will receive an overdraft notice each time items are paid, including fees. You will need to subtract the total fees when balancing your checkbook. We have no obligation to notify you before we pay or return any item. The amount of any overdraft including our paid item Mem Priv OD fee of $29 and/or a returned item NSF fee of $29 that you owe us is due and payable upon demand even if we do not ask you for payment. You must repay us no later than 30 calendar days after the creation of the overdraft. If there is more than one owner on the account, each owner and agent, if applicable, shall be jointly and severally liable for all overdrafts including all fees charged.
How soon can I use my Member Privilege?

How soon can I use my Member Privilege?
Once your account has been open for 60 days your account will be automatically eligible for Member Privilege provided you maintain the account in “good standing” as defined in this disclosure. Member Privilege service will be made available for ATM or everyday debit card transactions on personal accounts upon your request. Call 207-783-2096 or visit one of our branches to arrange for your ATM and debit card coverage.

What are some other ways I can cover overdrafts at Community Credit Union?

What if I do not want Member Privilege on my Checking Account?

What if I do not want Member Privilege on my Checking Account?
If you would like to have this service removed from your account, please call 207-783-2096. While you may opt out of the privilege at any time, you are responsible for any overdrawn balances at the time of opting out.
Tips on Keeping Your Checkbook Up-to-Date

Tips on Keeping Your Checkbook Up-to-Date
Sooner or later, anyone having a Share Draft/Checking Account learns that an essential part of managing a checkbook is balancing it. This is an easy task if you keep up-to-date, but a nightmare if not. For some, the nightmare compounds itself to the point that they either stop writing checks to allow the account to somehow rectify itself, or they close the account and start over with a new one.

Ways to Cover Overdrafts at Community Credit Union	Example of Associated Fees ¹
Good account management	$0.00
Link to savings account	$0.00 transfer
Overdraft line of credit	Prime + 6.75% APR ³
Member Privilege	Paid Item Mem Priv OD fee of $29.00 for each item

If you've never bounced a check or had a mistake in your checkbook, consider yourself fortunate. Most people who bounce checks believe they have more money in their accounts than they actually do because they've made errors in their checkbook registers. Common problems include addition and subtraction errors and forgotten items, such as ATM withdrawals or fees, debit card transactions, or automatic payments. Tracking your account deposits and withdrawals in an account register is a good practice to follow as your available balance from the credit union's LA Connection, Online Banking and/or an ATM balance inquiry do not always reflect all transactions. Saving are federally insured to as least $250,000.00 and backed by the full faith and credit of the United States Government, the National Credit Union Association.

All terms of your Membership Agreement apply to this agreement and are incorporated herein. Please refer to the member overdraft policy for additional details.

Choose the Kasasa® account that’ll earn you the most!

Kasasa Cash®

Earn a really high rate on your balance – plus refunds on ATM withdrawal fees, nationwide!^

Free Kasasa Cash® Checking

Kasasa Cash® is built to keep more of your money in your hands — and earn even more on that balance! Take a look at some of its great features:

Benefits & Features
- Free checking that pays a high rate
- 4.00% APY^ on balances up to and including $10,000
- 0.590% to 4.00% APY^ on balances over $10,000 depending on balance in account
- 0.050% APY^ if qualifications are not met
- Refunds on ATM withdrawal fees, nationwide^(up to $25 monthly)
- Option to add Kasasa Saver to build savings automatically
- No minimum balance to earn rewards
- No minimum deposit to open
- No monthly maintenance fee
- Free Visa® ATM/Debit Card¹
- Free SURF ATM network use²
- Free Online and Mobile Banking services
Condition of account: 1 account per social security number
How to Qualify
To earn rewards, simply do the following during each Monthly Qualification Cycle:
- Have at least 1 direct deposit or ACH payment transaction post and settle
- Have at least 12 Debit Card purchases post and settle
- Be enrolled in and agree to receive e-Statements
- Be enrolled in and log into Online or Mobile Banking at least once
Even if you don’t meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you’ll still earn a dividend. Then, the very next month you can get right back to earning your full rewards!

Want to bring in even more easy money? Check out our free Kasasa Saver® account!
^For full details and disclosures on Kasasa Cash, click the Disclosures tab below.
Disclosures
Account Overview
Kasasa Cash: A free variable rate checking account with no minimum balance that rewards accountholders with dividends and nationwide ATM withdrawal fee refunds when they meet minimum qualifications during the account's Monthly Qualification Cycle. Visit us online at www.communitycreditunion.com or contact one of our Relationship Specialists for specific Statement Cycle dates.

Purpose and Expected Use of Account

This account is intended to be the accountholder's primary share draft account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled.

Commensurate with the spending activities identified above, we expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. For example, five debit card transactions, each for a dollar, conducted at a convenience store, two days before the end of the cycle period would not be considered by our institution as normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account's rewards and thus will be deemed inappropriate transactions and will not count toward earning the account's rewards.

Community Credit Union reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different share draft account or closed altogether. We also reserve the right to convert the account to a different share draft account if the account does not have consistent active use over 6 consecutive Statement Cycles.

We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. A Community Credit Union check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your Kasasa Cash account, any optional add-on products / services associated with this account will also be terminated at the same time.

Dividend Rate & Annual Percentage Yield (APY)
- Compounding & Crediting: Dividends will be compounded on a monthly basis. Dividends will be credited to your Kasasa Cash account on the last day of the current statement cycle. If you close your account before the dividends are credited, you will not receive the accrued dividends. Dividends begin(s) to accrue on the business day you deposit noncash items (for example, checks).
  "Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day.
- Balance Computation Method: We use the average daily balance method to calculate the dividends on your Kasasa Cash account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the Statement Cycle.
- Dividend Rate & Annual Percentage Yield: APY=Annual Percentage Yield. When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle average daily balances up to and including $10,000.00 in your Kasasa Cash account earn a dividend rate of 3.928490% resulting in an APY of 4.00%; and average daily balances over $10,000.00 earn a dividend rate of 0.250% on the portion of the average daily balance over $10,000.00, resulting in a range from 0.590% to 4.00% APY depending on the account's average daily balance.
  When Kasasa Cash qualifications are not met, ATM withdrawal fees are not refunded and the dividend rate earned on the entire average daily balance in the account will be 0.050% resulting in an APY of 0.050%.
Qualification Information

To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least a combined total of 12 PIN-based /signature based debit card transactions
- At least 1 direct deposit or ACH payment transaction
- Be enrolled in and log into online or mobile banking at least once
- Be enrolled in and have agreed to receive e-statements rather than paper statements
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards.

The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

"Monthly Qualification Cycle" means a period beginning one (1) day prior to the first Banking day of the current statement cycle through one (1) day prior to the last Banking day of the current statement cycle.

See below for specific Monthly Qualification Cycle dates.

"Banking Day" means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its Banking functions or for processing.

"Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day.

"Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. See below for specific Statement Cycle dates.

Reward Information

APY = Annual Percentage Yield. APY’s accurate as of 5/1/2023. When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $10,000.00 in your Kasasa Cash account earn a dividend rate of 3.928490% resulting in an APY of 4.00%; and average daily balances over $10,000.00 earn a dividend rate of 0.250% on the portion of the average daily balance over $10,000.00, resulting in a range from 0.590% to 4.00% APY depending on the account's average daily balance. APY calculations are based on an assumed balance of $10,000.00 + $100,000.00 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days.
You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.
When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire average daily balance will be 0.050% resulting in an annual percentage yield of 0.050% and ATM withdrawal fees are not refunded.
Dividends will be credited to your Kasasa Cash account on the last day of the current statement cycle.
Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. You will automatically qualify for the account’s rewards during your account’s first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards.

Additional Information

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly ACH deposit or payment, enrollment in online banking and enrollment in eStatements are a condition of this account. See the Rate and Fee Schedule for fees that may apply to this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of 1 Kasasa share and share draft account per social security number is allowed. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Contact one of our Relationship Specialists for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA. Your Savings Insured To $250,000 per Account. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Trademarks & Credits

Kasasa, Kasasa Cash and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

¹Debit/Check Card can be used anywhere Visa is accepted.
²There is no fee for ATM transactions when used at an ATM within the SURF Alliance Network.

Monthly Qualification Cycle

Monthly Qualification Cycle				Statement Cycle
Month	Year	Begin	End	Begin	End
January	2024	12/29/2023	01/30/2024	01/01/2024	01/31/2024
February	2024	01/31/2024	02/28/2024	02/01/2024	02/29/2024
March	2024	02/29/2024	03/28/2024	03/01/2024	03/31/2024
April	2024	03/29/2024	04/29/2024	04/01/2024	04/30/2024
May	2024	04/30/2024	05/30/2024	05/01/2024	05/31/2024
June	2024	05/31/2024	06/27/2024	06/01/2024	06/30/2024
July	2024	06/28/2024	07/30/2024	07/01/2024	07/31/2024
August	2024	07/31/2024	08/29/2024	08/01/2024	08/31/2024
September	2024	08/30/2024	09/29/2024	09/01/2024	09/30/2024
October	2024	09/30/2024	10/30/2024	10/01/2024	10/31/2024
November	2024	10/31/2024	11/28/2024	11/01/2024	11/30/2024
December	2024	11/29/2024	12/30/2024	12/01/2024	12/31/2024
January	2025	12/31/2024	01/30/2025	01/01/2025	01/31/2025
February	2025	01/31/2025	02/27/2025	02/01/2025	02/28/2025
March	2025	02/28/2025	03/30/2025	03/01/2025	03/31/2025
April	2025	03/31/2025	04/29/2025	04/01/2025	04/30/2025
May	2025	04/30/2025	05/29/2025	05/01/2025	05/31/2025
June	2025	05/30/2025	06/29/2025	06/01/2025	06/30/2025
July	2025	06/30/2025	07/30/2025	07/01/2025	07/31/2025
August	2025	07/31/2025	08/28/2025	08/01/2025	08/31/2025
September	2025	08/29/2025	09/29/2025	09/01/2025	09/30/2025
October	2025	09/30/2025	10/30/2025	10/01/2025	10/31/2025
November	2025	10/31/2025	11/27/2025	11/01/2025	11/30/2025
December	2025	11/28/2025	12/30/2025	12/01/2025	12/31/2025

Kasasa Cash Back®

Get refunds on Debit Card purchases and nationwide ATM withdrawal fees!^

Free Kasasa Cash Back® Checking

With Kasasa Cash Back you’ll feel like you’re getting paid to shop! Check out its features:

Benefits & Features
- Free checking that pays you back
- 2.50% cash back on Visa® ATM/Debit Card purchases
- Refunds on ATM withdrawal fees, nationwide^(up to $25 monthly)
- Option to add Kasasa Saver® to build savings automatically
- No minimum balance to earn rewards
- No minimum deposit to open
- No monthly maintenance fee
- Free Visa® ATM/Debit Card¹
- Free SURF ATM network use²
- Free Online and Mobile Banking services
Condition of account: 1 account per social security number
How to Qualify
To earn rewards, simply do the following during each Monthly Qualification Cycle:
- Have at least 1 direct deposit or ACH payment transaction post and settle
- Have at least 12 Debit Card purchases post and settle
- Be enrolled in and agree to receive e-Statements
- Be enrolled in and log into Online or Mobile Banking at least once
Want to bring in even more easy money? Check out our free Kasasa Saver® account!

Linked to your Kasasa checking account, your earned checking rewards will be deposited into your Kasasa Saver account automatically every month!

^For full details and disclosures on Kasasa Cash Back, click the Disclosures tab below.
Disclosures

Monthly Qualification Cycle

Monthly Qualification Cycle				Statement Cycle
January	2024	12/29/2023	01/30/2024	01/01/2024	01/31/2024
February	2024	01/31/2024	02/28/2024	02/01/2024	02/29/2024
March	2024	02/29/2024	03/28/2024	03/01/2024	03/31/2024
April	2024	03/29/2024	04/29/2024	04/01/2024	04/30/2024
May	2024	04/30/2024	05/30/2024	05/01/2024	05/31/2024
June	2024	05/31/2024	06/27/2024	06/01/2024	06/30/2024
July	2024	06/28/2024	07/30/2024	07/01/2024	07/31/2024
August	2024	07/31/2024	08/29/2024	08/01/2024	08/31/2024
September	2024	08/30/2024	09/29/2024	09/01/2024	09/30/2024
October	2024	09/30/2024	10/30/2024	10/01/2024	10/31/2024
November	2024	10/31/2024	11/28/2024	11/01/2024	11/30/2024
December	2024	11/29/2024	12/30/2024	12/01/2024	12/31/2024
January	2025	12/31/2024	01/30/2025	01/01/2025	01/31/2025
February	2025	01/31/2025	02/27/2025	02/01/2025	02/28/2025
March	2025	02/28/2025	03/30/2025	03/01/2025	03/31/2025
April	2025	03/31/2025	04/29/2025	04/01/2025	04/30/2025
May	2025	04/30/2025	05/29/2025	05/01/2025	05/31/2025
June	2025	05/30/2025	06/29/2025	06/01/2025	06/30/2025
July	2025	06/30/2025	07/30/2025	07/01/2025	07/31/2025
August	2025	07/31/2025	08/28/2025	08/01/2025	08/31/2025
September	2025	08/29/2025	09/29/2025	09/01/2025	09/30/2025
October	2025	09/30/2025	10/30/2025	10/01/2025	10/31/2025
November	2025	10/31/2025	11/27/2025	11/01/2025	11/30/2025
December	2025	11/28/2025	12/30/2025	12/01/2025	12/31/2025

Kasasa Saver®

Must be paired with a Kasasa Rewards Checking Account.

Free Kasasa Saver®

Kasasa Saver automatically sweeps your earned checking rewards each month to this dividend-earning account!

Benefits & Features
- Free savings account that builds your savings effortlessly
- Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
- No minimum balance to earn rewards
- No monthly maintenance fee
- Free Online and Mobile Banking services
- No minimum deposit to open
How to Qualify
To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Checking account during each Monthly Qualification Cycle:
- Have at least 1 direct deposit or ACH payment transaction post and settle
- Have at least 12 Debit Card purchases post and settle
- Be enrolled in and agree to receive e-Statements
- Be enrolled in and log into Online or Mobile Banking at least once
^For full details and disclosures on Kasasa Saver, click the Disclosures tab below.
Disclosures
Account Overview

Kasasa Saver is a free, variable rate, deposit account with no minimum balance that rewards accountholders with dividends when they meet the minimum qualifications associated with their linked Kasasa Cash or Kasasa Cash Back checking account during each Monthly Qualification Cycle. Visit us online at www.communitycreditunion.com or contact one of our Relationship Specialists for specific Statement Cycle dates.
Purpose and Expected Use of Account

This Kasasa checking account is intended to be the accountholder's primary share draft account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled.

Commensurate with the spending activities identified above, we expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. For example, five debit card transactions, each for a dollar, conducted at a convenience store, two days before the end of the cycle period would not be considered by our institution as normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account's rewards and thus will be deemed inappropriate transactions and will not count toward earning the account's rewards.
Community Credit Union reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different share draft account or closed altogether. We also reserve the right to convert the account to a different share draft account if the account does not have consistent active use over 6 consecutive Statement Cycles.
We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. A Community Credit Union check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your Kasasa Cash or Kasasa Cash Back with Kasasa Saver account, any optional add-on products / services associated with this account will also be terminated at the same time. If, for whatever reason the Kasasa Saver portion of your account is closed, your account will automatically be converted to a standalone Kasasa Cash or Kasasa Cash Back account and only the Kasasa Cash or Kasasa Cash Back terms and conditions will apply.

Dividend Rate & Annual Percentage Yield (APY)
- Compounding & Crediting: Dividends will be compounded on a monthly basis. Dividends will be credited to your Kasasa Saver account on the last day of the current statement cycle. If you close your account before the dividends are credited, you will not receive the accrued dividends. Dividends begin(s) to accrue on the business day you deposit noncash items (for example, checks).
- Balance Computation Method:
- Dividend Rate & Annual Percentage Yield:
Qualification Information

To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least a combined total of 12 PIN-based /signature based debit card transactions
- At least 1 direct deposit or ACH payment transaction
- Be enrolled in and log into online or mobile banking at least once
- Be enrolled in and have agreed to receive e-statements rather than paper statements
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards.
The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
"Monthly Qualification Cycle" means a period beginning one (1) day prior to the first Banking day of the current statement cycle through one (1) day prior to the last Banking day of the current statement cycle.
See below for specific Monthly Qualification Cycle dates.
"Banking Day" means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its Banking functions or for processing.
"Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day.
"Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. See below for specific Statement Cycle dates.

Reward Information

APY=Annual Percentage Yield. When Kasasa Cash or Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive your rewards as defined in your account disclosures. In addition, average daily balances up to and including $15,000.00 in your Kasasa Saver account earn a dividend rate of 1.24290% resulting in an APY of 1.25%; and average daily balances over $15,000.00 earn a dividend rate of 0.250% on the portion of the average daily balance over $15,000, resulting in a range from 0.380% to 1.25% APY depending on the account's average daily balance. APY calculations are based on an assumed balance of $15,000.00 + $100,000.00 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days.
When your Kasasa Cash or Kasasa Cash Back account qualifications are not met, no rewards are paid and ATM withdrawal fees are not refunded. In addition, the entire average daily balance in the Kasasa Saver account earns a dividend rate of 0.050% resulting in an annual percentage yield of 0.050% APY.
Dividends will be credited to your Kasasa Saver account on the last day of the current statement cycle.
The dividends, cash back payments and/or nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash or Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. You will automatically qualify for the account’s rewards during your account’s first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards.

Additional Information

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly ACH deposit or payment, enrollment in online banking and enrollment in eStatements are a condition of this account. See the Rate and Fee Schedule for fees that may apply to this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of 1 Kasasa share and share draft account per social security number is allowed. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. If, for whatever reason the Kasasa Saver portion of your account is closed, your account will automatically be converted to the associated standalone Kasasa Cash or Kasasa Cash Back account and that account's terms and conditions will apply. A linked Kasasa Saver account is required for automatic savings.
Contact one of our Relationship Specialists for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA. Your Savings Insured To $250,000 per Account. Kasasa, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

Monthly Qualification Cycle

Monthly Qualification Cycle				Statement Cycle
Month	Year	Begin	End	Begin	End
January	2024	12/29/2023	01/30/2024	01/01/2024	01/31/2024
February	2024	01/31/2024	02/28/2024	02/01/2024	02/29/2024
March	2024	02/29/2024	03/28/2024	03/01/2024	03/31/2024
April	2024	03/29/2024	04/29/2024	04/01/2024	04/30/2024
May	2024	04/30/2024	05/30/2024	05/01/2024	05/31/2024
June	2024	05/31/2024	06/27/2024	06/01/2024	06/30/2024
July	2024	06/28/2024	07/30/2024	07/01/2024	07/31/2024
August	2024	07/31/2024	08/29/2024	08/01/2024	08/31/2024
September	2024	08/30/2024	09/29/2024	09/01/2024	09/30/2024
October	2024	09/30/2024	10/30/2024	10/01/2024	10/31/2024
November	2024	10/31/2024	11/28/2024	11/01/2024	11/30/2024
December	2024	11/29/2024	12/30/2024	12/01/2024	12/31/2024
January	2025	12/31/2024	01/30/2025	01/01/2025	01/31/2025
February	2025	01/31/2025	02/27/2025	02/01/2025	02/28/2025
March	2025	02/28/2025	03/30/2025	03/01/2025	03/31/2025
April	2025	03/31/2025	04/29/2025	04/01/2025	04/30/2025
May	2025	04/30/2025	05/29/2025	05/01/2025	05/31/2025
June	2025	05/30/2025	06/29/2025	06/01/2025	06/30/2025
July	2025	06/30/2025	07/30/2025	07/01/2025	07/31/2025
August	2025	07/31/2025	08/28/2025	08/01/2025	08/31/2025
September	2025	08/29/2025	09/29/2025	09/01/2025	09/30/2025
October	2025	09/30/2025	10/30/2025	10/01/2025	10/31/2025
November	2025	10/31/2025	11/27/2025	11/01/2025	11/30/2025
December	2025	11/28/2025	12/30/2025	12/01/2025	12/31/2025

Personal Checking	$500.00
Business Checking	$500.00
Money Market Account	$500.00

Best For Earning	Really High Dividends	Cash Back	High Dividends On Savings
Account	FREE Kasasa Cash® Checking	FREE Kasasa Cash Back® Checking	FREE Kasasa Saver® Savings
Details	· 4.00% APY^ on balances up to and including $10,000 · 0.590% to 4.00% APY^on balances over $10,000 depending on balance in account^ · 0.050% APY^ if qualifications are not met · Option to add Kasasa Saver to build savings automatically · No minimum balance to earn rewards	· 2.50% cash back on debit card purchases^ · Cash back earned on up to $300 in purchases monthly · Up to $90 cash back per year, up to $7.50 per month · Option to add Kasasa Saver to build savings automatically · No minimum balance to earn rewards	· Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings · Earn dividends to help grow your savings even more · 1.25% APY^ on balances up to and including $15,000 · 0.380% to 1.25% APY^ on balances over $15,000 depending on balance in account · 0.050% APY^ if qualifications are not met
Monthly Maintenance Fee	None	None	None
Refunds on ATM Withdrawal Fees	Up to $25 monthly^	Up to $25 monthly^	Earned ATM withdrawal fee refunds transfer to this balance monthly^
Free Online & Mobile Banking Access?	Yes	Yes	Yes
Free Debit Card?	Yes	Yes	Included with an underlying Kasasa Cash or Kasasa Cash Back checking account
Minimum Opening Deposit	None	None	None
Disclosures	^For Kasasa Cash Disclosures, see Disclosures above	^For Kasasa Cash Back Disclosures, see Disclosures above	^For Kasasa Saver Disclosures, see Disclosures above

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Choose the Kasasa® account that’ll earn you the most!

Kasasa Cash®

Free Kasasa Cash® Checking

Account Overview

Purpose and Expected Use of Account

Dividend Rate & Annual Percentage Yield (APY)

Qualification Information

Reward Information

Additional Information

Trademarks & Credits

Kasasa Cash Back®

Free Kasasa Cash Back® Checking

Account Overview

Purpose and Expected Use of Account

Qualification Information

Reward Information

Additional Information

Trademarks & Credits

Kasasa Saver®

Free Kasasa Saver®

Account Overview

Purpose and Expected Use of Account

Dividend Rate & Annual Percentage Yield (APY)

Qualification Information

Reward Information

Additional Information

Kasasa® Accounts

To schedule your appointment with Member Services and start your Kasasa journey, call 207-783-2096 or email: MemberServices@communitycreditunion.com today!

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