*  No Minimum deposit required
*  No service charge
*  Set up direct deposit or maintain average daily balance of $500.00 or more and never
     have a service charge
*  Free home banking service
*  Free audio response
*  Unlimited time that the debit card can be used daily
*  Debit cards available to access ATM machines only
*  Federally insured by NCUA

ANY member can qualify for this type of share draft account if they do not want any checks.