ACCOUNT DETAILS
| Services Offered | Share (Savings) Account | Share Draft (Checking) Account | Money Market Account |
|---|---|---|---|
| Minimum opening deposit. | $5 pledge, and the $5 goes into your account until the account is closed. | — | $2,500 |
| Minimum balance to avoid a service charge. | — | — | $2,500 minimum balance. $10/month fee if balance is not met. |
| Minimum balance to earn the stated APY*(Calculated from Average Daily Balance). | — | $1,000 | $2,500 |
| Number of withdrawals allowed. | 6 per month $3 charge after the 6th | Unlimited | 6 per month $10 charge after 6th. |
| Online banking. Manage your accounts, transfer funds and even get a copy of a paper check online or through your SmartPhone. | FREE | FREE | FREE |
| SmartPhone Account Access through Text Banking. Obtain account balances and transaction history via text messages, or access It’s Me 247 through mobile ready site to view account balances; transfer money or pay bills. | FREE | FREE | FREE |
| Free EasyPay. Online bill pay. | FREE | FREE if enrolled with e-statements, or $3/month for hard statements. | FREE |
| Overdraft services for qualifying accounts. Funds are transferred from your savings if funds are available. | — | Fee Applies | — |
| Courtesy pay for qualifying accounts. Rather than automatically returning any non-sufficient funds (NSF) items as unpaid, ANECA will pay your overdrafts up to $500. | — | $29 Fee/Paid Item | — |
| Automated 24-Hour Phone Banking: 800-860-5704 (toll-free) Bank ID Number: #840 | FREE | FREE | FREE |
| Direct deposit and payroll deduction | FREE | FREE | FREE |
| Debit card | — | FREE | — |
| ATM – For a complete listing of all surcharge free ATM locations, please click here | FREE at select locations. | FREE at select locations. | — |
| Shared Branching Locations. Access accounts at more than 2,600 “shared branches” across the country. Members can make: deposits, withdrawals, loan payments, transfer money between their accounts. See | FREE | FREE | FREE |
| Wire transfers. | Fee Applies | Fee Applies | Fee Applies |
| Visa Gift Cards & Visa Pre-Paid Cards | Fee Applies | Fee Applies | Fee Applies |
| Money Orders. | $2 per order | $2 per order | $2 per order |
| Safe deposit boxes (Annual fee applies). | Fee Applies | Fee Applies | Fee Applies |
| Free notary service to Members. | FREE | FREE | FREE |
| Loan Access See ANECA Federal website. | FREE | FREE | FREE |
| Following insurances are available for additional cost: GAP; Vehicle Extended Warranty; Debt Protection | — | — | — |
| National Automobile Dealers Association | FREE | FREE | FREE |
| CARFAX with vehicle loans financed. | FREE | FREE | FREE |
| Roth / Traditional IRA. | No Min. | — | — |
| Roth / Traditional IRA Share Certificates. | $1,000 Min. | — | — |