Products

Share Savings Membership Account
Minimum deposit $100.00; this includes $1.00 membership fee and $25.00 retention amount. Effective August 29, 2014
(Minimum Balance of $50.00 required on share savings accounts to earn interest)

$25.00 fee may be invoked if new accounts are closed within 90 days of opening. Effective October 1, 2014

• Any Return Statement (with no forwarding address) - $15.00 Fee Effective September 1, 2017
• Dormant Account Fee (if applicable) - $10.00 per Dormant Account/per Month Effective March 1, 2013
• Garnishment/Levy Processing Fee - $75.00

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Super Saver Account Currently calculates interest on a daily balance and posts quarterly.

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Christmas Club Account Terms and Interest calculated same as Share Savings Account. Transfers will be processed to the account chosen approximately the second week in November.

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• No monthly service charge
• Cost of checks ordered will be drafted from account
  (basic checks qty 90)
• Cancelled checks are not returned with statement/duplicate checks are recommended.
• Check Images are visible through Internet Banking Services.
• If at any time you need a copy of a cancelled check, a copy will be provided as far back as 7 years, you may be charged $3.00 per copy.
• Stop payment fee - $30.00 Effective September 1, 2017
• Overdrafts - $35.00 Effective October 1, 2014
• Wire transfers - $30.00 Effective September 1, 2017
• Western Union Wire Fee - $30.00 Effective October 1, 2014
• International Wire Fee - $40.00 Effective October 1, 2014
• Internet Banking/Bill Pay - $5.00/month
• Garnishment/Levy Processing Fee - $75.00

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IRA Account
 Calculates on daily balance and posts quarterly.
 (Minimum balance on this account is $100.00)

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Signature Loan Limits

• Eligible for personal loans after 90 days of membership
• Member 90 days – 1 year $1700 @ $60.00 per month
• After 1 year $3500 @ $120.00 per month
• After 5 years $5000 @ $150.00 per month

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VISA DEBIT / Check Card

• Get cash 24 hours a day
• Works like a check where-ever you see the Visa or Pulse Logo
• No annual fee
• Posts to your account electronically

Alabama River Credit Union's Visa Debit/Check Card is the one card that acts like several cards.  It works like a check at any merchant that accepts VISA and it works like an ATM on the VISA or PULSE ATM networks.

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Convenience at its best-
Use your check card without hassle of writing a check or carrying cash.  When you use your check card press "credit" and the money is immediately deducted from your checking account. It's quick and easy. Just sign and go!

It's ATM Ready
Our VISA Debit/Check Card works like an ATM card at any automatic teller machine on the VISA or PULSE ATM networks. Simply look for the VISA or PULSE logos and you can get the cash you need with your personal identification number (PIN).

Not a Credit Card
The Alabama River Credit Union VISA Debit/Check Card is NOT a credit card. Just like a check, you must have money in your account before you can spend it.  You will save money by not paying the fees and interest that can be part of credit cards.
For further information on these and other services contact us at 251-575-2921.