Checking Share Draft Accounts Money Market Checking Simply Free Share Draft Value One Accounts Classic Club Accounts Student Checking Accounts Great value on great accounts! Totally FREE checking - Simply Free Checking accounts offer no monthly service fee, no per check charge, and no limit on the number of checks you can write. You are sure to find the best value for your money here! "Checkmate" Mastermoney Debit Card - Access your account anywhere Master Card is accepted. This card allows you the convenience of a paper-less check that saves you time in the check out lines. The card is FREE of charge and is accepted worldwide through the PLUS/Cirrus and Master Card Networks. On-line Access FREE - "Leaders@Home" is available to all members FREE of charge. You can view history, reconcile your account, make transfers, and even download your account information into Quicken or Microsoft Money. Bill Payment is also available for only $8.00 per month giving you ten transactions a month. Personal Access Line - PAL is your 24 hour telephone access line that allows you to check your current balance and latest transactions. You will find you can even request a withdrawal! LCU provides you with local (731-664-1784) and toll free (800-227-1893) numbers to connect to this valuable service. Of course it is FREE of charge. Overdraft Protection - Members can apply for this valuable service that will establish a credit line up to $1,000 to protect you against overdrawing your account. you will find this safety net gives you peace of mind when you need it most. Low Minimum Balance to Open - You can open your checking with as little as $50. Don't delay, open your account today and start saving money! Share Draft Accounts are worth checking into. Share Draft Unlimited Check Writing Free ATM (CheckMate Debit Card) - with worldwide access through Plus/Cirrus and MasterMoney Network Overdraft Protection offered $50.00 to open account $4.00 Monthly Fee (Waived if daily balance is $500 or more for the full month) Must have a Share Account Money Market Checking No Monthly Fee $2,000.00 to open Earn Dividends Variable Rates Unlimited Deposits Ten (10) Debits per month First 50 checks free Simply Free Share Draft No Monthly Service Charge Unlimited Check Writing Free ATM (CheckMate Debit Card) - with worldwide access through Plus/Cirrus and MasterMoney Network $25.00 to open account Overdraft Protection Offered* Must have Share Account Subject to standard approval policies Value One Accounts Unlimited Check Writing and Printing Free Money Orders Free Traveler's Cheques Free ATM (CheckMate Debit Card) - with worldwide access through Plus/Cirrus and MasterMoney Network Overdraft Protection Offered $50.00 to open account $7.00 Monthly Fee Must have Share Account Classic Club Accounts For Members Age 55 and Over No Monthly Fee Two Boxes of Checks per year at no charge Free Traveler's Cheques Free Money Orders Overdraft Protection Free ATM (CheckMate Debit Card) - with worldwide access through Plus/Cirrus and MasterMoney Network $50.00 to open account Student Checking Accounts For Members Age 23 and Under No Monthly Fee First Order of Checks Free (150) No Fee per Check - Write as many checks as you want Free ATM (CheckMate Debit Card) - with worldwide access through Plus/Cirrus and MasterMoney Network Auto Loan Discount $20.00 to open account NOTE: Any LCU member age 16 or over may open a checking account; Members under age 18 must have a parent or legal guardian as joint owner.