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Sharedraft Checking Accounts Discover how you can save on checking costs and earn competitive dividends with a Central City Credit Union checking account. Dividend Checking, Share Club Checking and Money Market heking earn dividends when your daily balance is $1000 or more. Dividend rate is subject to change monthly. Dividend Checking Minimum Balance Monthly Fee Per Check Fee $300.00 $0 $0 Under $300.00 $4.50 $0 Share Club Checking Minimum Balance Monthly Fee Per Check Fee $0 (Under age 55) $5.95 $0 $0 (Age 55 and older) $3.95 $0 Benefits include: Two boxes of checks per calendar year $10,000 Accidental Death/Dismemberment Insurance (Family members may be covered for an additional $1.35 per person per month.) Free Internet Bill Payment Free credit card registration Travel agency services available for discounts on car rentals and lodging Free money orders Free photocopies (maximum 20 free per month) Really Free Checking Minimum Balance Monthly Fee Per Check Fee -0- -0- -0-   Money Market Checking Minimum Balance* Monthly Fee* Per Check Fee $1000.00 $0 $0 Account Features: Deposit anytime Earn higher dividends without tying up your money in a term certificate Maximum six withdrawals/transfers per month $10.00 penalty for each withdrawal/transfer over six in one month *$5 service charge for any month balance drops below minimum   See your New Accounts representative at Central City today to sign up. Read all about the most convenient way to pay from your checking account - the CheckMate debit card. The safety of a check with the convenience of a card. Overdraft Protection Want the confidence of overdraft protection for your checking account? Central City offers these options: Overdraft Protection from your savings account Overdraft Kwik Cash Loan Overdraft Protection from Savings Account It's free! Protect your checking account by authorizing Central City to transfer funds automatically from your savings. The amount transferred would be just enough to cover the amount overdrawn, and you will save money by not having a check returned. Overdraft KWIK CASH Be prepared for those unexpected expenses with a line of credit KWIK CASH loan at a fixed rate of 15.0% APR. This line of credit is used to cover overdrafts. If your account is overdrawn, you will automatically be advanced a loan in $100 increments to cover your checks. The total amount advanced is based on the limit that is set when your line of credit is approved. Even if you don't have a Sharedraft Checking Account, you can qualify for a KWIK CASH account. After your line of credit is approved, you can access your account by stopping in and requesting an advance. Or, you can simply call us and we'll mail you a check or deposit the money into your Central City account. Central City Credit Union is federally insured by the Nation al Credit Union Administration.