CHECKING ACCOUNTSWhy should I open

a Checking Account with SDFCU?

Open a checking account with us and enjoy the freedom of hassle-free banking, convenience and rewards.

We offer three checking account options to fit your lifestyle: Basic, Advantage, and Privilege.

800.296.8882703.706.5000

www.sdfcu.org

Federally insured by NCUAsdfcu@sdfcu.org

Can I open a Checking Account for my child?

Yes! You can open a checking account under a custodian account as long as the custodian signs the application. Checks are issued in both the name of the minor and the custodian: John Doe, Custodian for John Doe, Jr..

Additionally, a minor can open a checking account as long as it is jointly owned by an adult and the minor is able to sign his/her name.

Information good as of January 2016

Open your new Checking Account today!

Learn more at www.sdfcu.org, call us at 703.706.5000 or 800.296.8882,

or visit a branch near you.

BASIC ADVANTAGE PRIVILEGE

Minimum balance $0 $2,000 $25,000

Bill Pay1 P P P

FREE eStatements P P PFREE Telephone Banking (Account24) P P P

FREE Visa debit card P P PUnlimited check writing P P P

Overdraft Protection P P PAccess to more than 29,000 surcharge-free ATMs P P P

Direct Deposit P P PNo monthly service fees P P PFREE SDFCU checks P PEarn dividends2 P P

Debit card transaction fee reimbursement3 P P

FREE check design of your choice P

FREE Official Checks (Treasurer’s Checks)4 P

FREE Money Orders P1. Free to members who pay a minimum of one bill every 90 days, otherwise there is a nominal $5 monthly fee.

2. To be eligible for earned dividends, you must maintain a minimum of $200 Direct Deposit monthly; be signed up for Online Banking and eStatements; make ten debit card transactions (signature or PIN) for Advantage Checking. After dividends have been declared, dividends are paid for every day the balance meets/exceeds $2,000 for Advantage Checking or $25,000 for Privilege Checking. On any given day that the balance falls below $2,000 for Advantage Checking or $25,000 for Privilege Checking, dividends will not be paid for that day. Even if the average daily balance remains at $2,000 for Advantage Checking or $25,000 for Privilege Checking, all criteria must be met to receive dividends for the month. Personal accounts only.

3. Maximum debit card transaction fee (ISA and/or ATM surcharge fees) reimbursement of $15 for Advantage Checking and $25 for Privilege Checking per month as long as: the average account balance does not fall below $2,000 for Advantage Checking and $25,000 for Privilege Checking for the entire month, the $200 minimum monthly Direct Deposit is met, the member is signed up for Online Banking and eStatements, and there are ten debit card transactions for Advantage Checking. Fees will not be reimbursed unless all criteria are met.

4. Maximum of three per month.

BASIC Checking means:• No minimum balance• Hassle-free

ADVANTAGE and PRIVILEGE Checking mean:• Fee reimbursements• Dividend earning

Checking Account Options

FREE Visa debit card with all Checking Account options

Which type of Checking Account should I choose?

If you want a simple account with no minimum balance required and many free benefits, our Basic Checking Account is for you. If you want your money to work for you by earning interest, then either our Advantage Checking Account or Privilege Checking Account is your best choice. These accounts earn you dividends AND reimburse you for debit card transaction fees including ATM surcharge fees and foreign transaction fees.