Personal Accounts We designed our products & services with YOU in mind!
Checking
Each checking account comes with:
- Free e-Access
- Free Pelican Teller
- Free e-Pay
- Free Visa Debit Card
- No Minimum Balance Requirement
Basic Checking
This account was designed for our members looking for a low maintenance, personal checking account. No hassle, no requirements. Just purchase your checks and enjoy the simple life!
- No monthly service charge
- Non-dividend bearing
- Unlimited check writing
- Members under 25 get 1 free box of checks per calendar year
e-Xtra Bonus Checking
Experience the Ultimate Advantage in Checking! This electronically based account offers monthly dividends with the opportunity to receive an additional bonus dividend each month. You could earn up to 5.01% APY! Plus you can earn ATM fee reimbursement up to $12.00 per month just for meeting the simple monthly requirements.
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Meet these simple monthly requirements:
- Receive electronic statements (e-Statements) and notifications
- Receive payroll deduction or direct deposit
- Access your account online at least once a month
- Perform at least 15 debit card transactions per month
How it works: If you receive electronic statements and notifications, you will receive a monthly dividend of 0.50%. If you meet all the monthly requirements listed above, you will receive an e-Xtra Bonus dividend of 4.40%. Plus, you will get your foreign ATM fees reimbursed up to $12.00.
^ Membership required. Member must be in good standing and meet all requirements to be eligible for Bonus Dividend and ATM Fee Reimbursement up to $12.00. Annual Percentage Yield (APY) is paid on balances within each statement cycle in which the requirements are met. APY is subject to change without notification. Withdrawals may decrease the noted APY. Bonus dividend is paid on balances of $1.00 - $30,000. Monthly dividend rate = 0.50%. Bonus dividend rate = 4.40%. ATM transactions do not count toward debit card usage. Voluntarily discontinuing electronic statements or notices will result in account defaulting to Basic Free Checking at month end cycle and dividends will not be paid. If account is closed prior to pay out of dividends, all dividends will be forfeited. Checks are available for purchase at member's expense.
Pelican Preferred
Looking for the checking account with all the bells & whistles? This luxury checking account has all of the amenities and extra perks you could ask for.
- $5 Monthly service fee (Free for members age 50 and over!)
- Dividends paid monthly on average daily balances of $500 or greater
- 0.25% Decrease on Personal Installment Loans
- 0.25% Increase on Share Certificate and IRA Certificate Rates
- 10% Discount on safe deposit boxes
- 50¢ Discount on traveler's checks, Visa gift cards, gift checks, money orders & corporate checks
- 1 FREE box of checks per calendar year
Rates are subject to change at any time without notification. Dividends are forfeited if account is closed prior to payment. Discounted loan rate cannot exceed the interest floor rate and excludes Visa and Mortgages. 0.25% APY increase does not apply on any share certificate or IRA special. Safe deposit boxes are not available at all locations.
Health Savings Account (HSA)
- No minimum balance required to earn dividends
- High dividends paid monthly
- No monthly service charge
- Several contribution options available
- Distributions can be used for qualified medical expenses
- Opening restrictions do apply. Member must have a high deductible health plan (HDHP)
*Dividends are forfeited if account is closed prior to payment.
Visa Debit Card
A Visa Debit Card is directly linked to your checking or savings account. You can use your debit card to make purchases or use at an ATM. The money is instantly removed from your personal account at the time of transaction. A Debit Card is not a credit card and cannot be used to borrow funds or make a ‘charge’.
If your Visa Debit Card or Visa Credit Card has been lost or stolen, call
Switch Kit
Do you have a checking account at another financial institution? Use our Switch Kit to ease the burden of moving your checking account to Pelican. Get all the information you need to close your current account and have the funds sent to your new Pelican Checking Account. Your ACHs will move with you! Contact us to request a Switch Kit or click the link below to download a copy.
Download the Pelican Switch Kit (Requires Adobe Reader)Online Check Ordering
Click here to order your checks fast with just a few clicks!We have invested in VeriSign's secure server digital certificate to protect your data. Through the use of Secure Socket Layer (SSL) technology, the standard for secure communications on the Web, your data is being sent to a secure database and is encrypted to protect your privacy.
Overdraft PrivilegeSM
Our discretionary Overdraft PrivilegeSM (ODP) can save you money and embarrassment. This service will mean fewer returned checks or automated clearing house (ACH) transactions on your account when you make a mistake. Pelican will consider payment of your reasonable overdraft charges as long as they are under your assigned Overdraft Privilege limit (assigned according to your checking account qualifications).** Ask a representative to add this service to your Checking Account today!
**Overdraft Limits are set up to $1000 on accounts that meet the minimum qualifications. The Overdraft PrivilegeSM service does not constitute an actual or implied agreement between you and the Credit Union. Nor does it constitute an actual or implied obligation of or by the Credit Union. This service represents a purely discretionary courtesy or privilege that the Credit Union may provide to you from time to time and may be withdrawn or withheld by us at any time without prior notice or reason or cause. Any item that we pay that is not within your available balance but is within your allowed ODP will be assessed a courtesy pay fee of $26.00 per item. In the event that a check or ACH and its associated $26.00 per item courtesy pay fee would exceed your assigned ODP limit if applied to your account, it will be returned as Non-Sufficient Funds (NSF). NSF items will be returned as unpaid, and your account will be assessed an NSF fee of $26.00 per returned item.
Membership or membership eligibility is required. The above options are for information and advertising purposes only. Products are subject to change at any time without notification. Please contact credit union for the most current options and for more information about certain limitations on loan rate discounts and share certificate annual percentage yield (APY) increases.
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