An ideal choice for the small business owner.
The Basics
- Member NCUA: YES. Deposits are federally insured by the National Credit Union Administration (NCUA) up to the maximum amount allowed by law ($250,000)
- Minimum Deposit: $0
- Monthly Balance Requirement: $0
- Comes with MasterMoney Debit Card and free access to CHROME 24
- Account may be closed if not funded within 30 days of opening
Transactions
Unlimited Transactions:
- Deposits
- ATM withdrawals and transfers
- In-branch withdrawals and transfers
- Debit card PIN and signature transactions
- Transactions via CHROME 24 Digital banking
- Access to over 40,000 surcharge-free ATMs for deposits and withdrawals
Availability - Deposits and Transfers
Processing order: We post transactions in the order we receive them.
Business days: Monday - Friday from 9:00 am to 5:00 pm excluding
federal holidays.
federal holidays.
- Direct deposits: Same business day
- Transfers between CHROME accounts: Immediate
- Transfers initiated at another bank: Up to three business days
- Transfers initiated at CHROME: Up to three business days
- Checks drawn on CHROME: Next business day
- Night box deposit: Next business day
- ATM deposit: $100 immediately, balance second business day after deposit
- US Treasury checks payable to you: Immediate
- All other checks payable to you:
- If under $5,525: $225 immediate; remainder on second business day.
- If over $5,525: $225 immediate; $5,300 remainder on the second business day and then the remainder over $5,525 on the 5th business day.
- Checks deposited by members with overdraft history: Five business days
- Checks deposited to new accounts (first 30 days) may be subject to holds up to seven business days