Personal Checking Accounts

Save on the things you buy and earn money.*

Benefits

Exclusive Pet Insurance Discounts^*
Protect your furry family members with exclusive pet insurance discounts—just one more way U.S. Eagle shows that people mean more. From 24/7 virtual pet support to discounts on meds and vet visits with no breed or age restrictions, we’ve got your pet’s back—because they’re family too.

Free Mobile Phone Protection*
Protects your phone if broken or stolen.
Up to $1,000 per claim - $2,000 per year.
Check your current mobile bill for this ‘hidden’ charge.
(Mobile service payment through U.S. Eagle Perks Plus Checking required.)

Free ID Theft Aid^*
$25,000 personal identity theft benefit.
Credit monitoring.
Credit reporting and score.
Identity monitoring.
Identity and fraud restoration support.
(There is an ID theft every 22 seconds – this coverage helps protect you.)

New BillShark Services*
Cut your bills, not your budget—U.S. Eagle members get exclusive savings with Billshark through BaZing. Let us negotiate better rates on internet, cell phone, and more, so you keep more money where it belongs—in your pocket.

URCovered^®*
No overdraft fees charged.
Unlike others – we cover your overage.
Protects against overdrafts – even at ATMs.

Cashback Debit Card^*
Unlimited cashback on every signature-based purchase.
No fee U.S. Eagle CashBack Debit Card.
Over 30,000 CUAnytime, surcharge-free ATMs.

Free BaZing – Shop/Save Local App^*
Save with local discounts on everyday purchases.
Your app even helps you find discounts.

Free 24/7 Roadside Assistance^*
Gas fills, towing, lockouts and more.
Up to $80 per event, unlimited use.
Save on your auto insurance.

Free Health Savings Card^*
Save money on prescriptions, eye exams, frames, lenses, hearing aids and more.
(Access through your BAZING savings app.)

Early PayDay^*
Get your paycheck up to 2 days early. Enroll in free direct deposit service.

Dividend-Bearing Checking Account^*
Earn money while you save money. Rate based on deposit tier.

Free Anywhere Banking Tools – With Free Zelle®^*
Free 24/7 online, mobile banking with bill pay.
Send money to anyone with Zelle^®.

Free eStatements^*
Because there shouldn’t be a fee for being Earth-friendly.

$10 monthly fee waived with monthly average balance of $5,000 or more.

*The BaZing information in the benefits reference guide is designed to assist eligible account holders. If there is any conflict between the information in this
document and the full terms and conditions outlined in the applicable Guide to Benefits or on the BaZing.com website, the full terms and conditions will control
in all respects.

Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals.

Insurance products are: NOT A DEPOSIT, NOT FEDERALLY INSURED, NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY.

Must qualify for U.S. Eagle membership including $5 share deposit. $25 minimum deposit required to open checking account. $10 monthly fee for Perks Plus Checking (waived by maintaining a minimum monthly average balance of $5,000 or more). URCovered Terms and conditions apply. A discretionary service, not an obligation, for U.S. Eagle Checking members in good standing. Automatic enrollment upon checking account opening for memberships of at least five years and after 90 days for memberships of less than five years. Separate enrollment required for ATM and debit card use. No fee for URCovered service or per overdraft. Member required to bring account current within 45 days. Not available for all checking account types (Business Checking, Life Essentials and FlexChecking are not eligible for URCovered). Early PayDay Direct deposit enrollment required. Once enrolled, member may receive payroll deposits up to two days prior to their scheduled payroll date. There is no additional fee for this service. 24/7 Online, Mobile Banking & Zelle® Services Your wireless service provider may charge data fees. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Surcharge Free ATMs Must use one of over 30,000 ATMs in CUAnytime® Network to avoid surcharge fees. Surcharge fees may be charged by other financial services provider networks and independently held ATMs. CashBack Debit Card ATM transactions do not qualify for cashback, only signature-based purchase transactions (learn more at useagle.org/cashback). Eligibility is restricted to individuals who have a statement address within the 50 United States, the District of Columbia or any U.S. Possession or Territory. All cashback options automatically default to an annual deposit before end of current, or first day of following, year into member share account. Cashback also available for on-demand redemption through your Digital Banking account. Minimum cashback redemption amount of $15 required. See U.S. Eagle for details.

See guide to benefits here for full details.

Save hundreds each year on the things you already buy.^*

Benefits

Free Mobile Phone Protection
Protects your phone if broken or stolen.
Up to $1,000 per claim - $2,000 per year.
Check your current mobile bill for this ‘hidden’ charge.
(Mobile service payment through U.S. Eagle Perks Checking required.)

Free ID Theft Aid^*
$25,000 personal identity theft benefit.
Credit monitoring.
Credit reporting and score.
Identity monitoring.
Identity and fraud restoration support.
(There is an ID theft every 22 seconds – this coverage helps protect you.)

URCovered^®*
No overdraft fees charged.
Unlike others – we cover your overage.
Protects against overdrafts – even at ATMs.

Free 24/7 Roadside Assistance^*
Gas fills, towing, lockouts and more.
Up to $80 per event, unlimited use.
Save on your auto insurance.

Free Health Savings Card^*
Save money on prescriptions, eye exams, frames, lenses, hearing aids and more.
(Access through your BAZING savings app.)

Free BaZing – Shop/Save Local App^*
Save with local discounts on everyday purchases.
Your app even helps you find discounts.

Cashback Debit Card^*
Unlimited cashback on every signature-based purchase.
No fee U.S. Eagle CashBack Debit Card.
Over 30,000 CUAnytime, surcharge-free ATMs.

Early PayDay^*
Get your paycheck up to 2 days early. Enroll in free direct deposit service.

Free Anywhere Banking Tools – With Free Zelle®^*
Free 24/7 online, mobile banking with bill pay.
Send money to anyone with Zelle^®.

Free eStatements^*
Because there shouldn’t be a fee for being Earth-friendly.

Save hundreds each year – for only $7.50 per month.

* The BaZing information in the benefits reference guide is designed to assist eligible account holders. If there is any conflict between the information in this
document and the full terms and conditions outlined in the applicable Guide to Benefits or on the BaZing.com website, the full terms and conditions will control
in all respects.

Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals.

Insurance products are: NOT A DEPOSIT, NOT FEDERALLY INSURED, NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY.

Must qualify for U.S. Eagle membership including $5 share deposit. $25 minimum deposit required to open checking account. $7.50 monthly fee for Perks Checking. URCovered Terms and conditions apply. A discretionary service, not an obligation, for U.S. Eagle Checking members in good standing. Automatic enrollment upon checking account opening for memberships of at least five years and after 90 days for memberships of less than five years. Separate enrollment required for ATM and debit card use. No fee for URCovered service or per overdraft. Member required to bring account current within 45 days. Not available for all checking account types (Business Checking, Life Essentials and FlexChecking are not eligible for URCovered). Early PayDay Direct deposit enrollment required. Once enrolled, member may receive payroll deposits up to two days prior to their scheduled payroll date. There is no additional fee for this service. 24/7 Online, Mobile Banking & Zelle® Services Your wireless service provider may charge data fees. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Surcharge Free ATMs Must use one of over 30,000 ATMs in CUAnytime® Network to avoid surcharge fees. Surcharge fees may be charged by other financial services provider networks and independently held ATMs. CashBack Debit Card ATM transactions do not qualify for cashback, only signature-based purchase transactions (learn more at useagle.org/cashback). Eligibility is restricted to individuals who have a statement address within the 50 United States, the District of Columbia or any U.S. Possession or Territory. All cashback options automatically default to an annual deposit before end of current, or first day of following, year into member share account. Cashback also available for on-demand redemption through your Digital Banking account. Minimum cashback redemption amount of $15 required. See U.S. Eagle for details.

See guide to benefits here for full details.

The basics and more – for everyday life^*.

Benefits

Free Mobile Phone Protection*
Protects your phone if broken or stolen.
Up to $200 per claim - one claim per year.
Mobile service payment through U.S. Eagle Life Essentials Checking required.

Free ID Theft Aid*
$2,500 personal identity theft benefit.
Identity and fraud restoration support.

Free Debit Card*
Over 30,000 CUAnytime, surcharge-free ATMs.
CardHero® - freeze your card if it’s lost or stolen.

Early PayDay*
Get your paycheck up to 2 days early. Enroll in free direct deposit service.

Free Anywhere Banking Tools – With Free Zelle®*
Free 24/7 online, mobile banking with bill pay.
Send money to anyone with Zelle^®.

Free eStatements*
Because there shouldn’t be a fee for being Earth-friendly.

$5 monthly fee is waived with e-statements, or if the primary account holder is under 18 or over 65.

*The BaZing information in this benefits reference guide is designed to assist eligible account holders. If there is any conflict between the information in this document and the full terms and conditions outlined in the applicable Guide to Benefits or on the BaZing.com website, the full terms and conditions will control
in all respects.

Insurance products are: NOT A DEPOSIT, NOT FEDERALLY INSURED, NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY.

Must qualify for U.S. Eagle membership including $5 share deposit.$25 minimum deposit required to open checking account. $5 monthly fee for Life Essentials Checking (waived by opting into estatements or if <18 years or >65 years of age). If account holder is under 18 years old, a parent or legal guardian must also be on the account. Early PayDay Direct deposit enrollment required. Once enrolled, member may receive payroll deposits up to two days prior to their scheduled payroll date. There is no additional fee for this service. 24/7 Online, Mobile Banking & Zelle® Services Your wireless service provider may charge data fees. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Surcharge Free ATMs Must use one of over 30,000 ATMs in CUAnytime® Network to avoid surcharge fees. Surcharge fees may be charged by other financial services provider networks and independently held ATMs. Business Checking, Life Essentials and FlexChecking are not eligible for URCovered. See U.S. Eagle for details.

View full guide to benefits here.

Checking accessibility – without the required credit history.^*

A Check-Free Account^*
No checks to write or checkbook to balance.
A free debit card for daily purchases.
An account to make your payments from.

Build or Repair Credit
A great option if you’ve been turned down for a checking account before.

No Overdraft Fees
Spend only the balance you have.
Spending control without the overdraft fees.

Free Anywhere Banking Tools – With Free Zelle^®
Free 24/7 online, mobile banking with bill pay.
Send money to anyone with Zelle^®.

Free Debit Card
Over 30,000 CUAnytime, surcharge-free ATMs.^*
CardHero® - freeze your card if it’s lost or stolen.

Free Direct Deposit
Get your paycheck up to two days early.^*
Save time and effort by depositing directly.

Free eStatements
Because there shouldn’t be a fee for being Earth-friendly.

$5 monthly fee.

*Must meet qualifications to open U.S. Eagle checking account including credit union membership by opening a $5 share account and $25 minimum checking account deposit. $5 monthly fee for FlexChecking. Surcharge Free ATMs Must use one of over 30,000 ATMs in CUAnytime® Network to avoid surcharge fees. Surcharge fees may be charged by other financial services provider networks and independently held ATMs. Early PayDay Direct deposit enrollment required. Once enrolled, member may receive payroll deposits up to two days prior to their scheduled payroll date. There is no additional fee for this service. Type/Origination of pay may impact early check delivery. 24/7 Online, Mobile Banking & Zelle® Services Your wireless service provider may charge data fees. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Savvy Money Member must be enrolled in Digital Banking to utilize Savvy Money. Your enrollment in Savvy Money Inc. authorizes Savvy Money Inc. to retrieve your Credit Score and Report. This is a soft pull and will not affect your score. You also authorize Savvy Money, Inc. to continuously obtain your credit report and use the information to verify my identity and provide the services offered by Savvy Money, Inc. You may revoke this authorization at any time by terminating your account with Savvy Money, Inc. As a primary account holder, your credit score will be shown within your online account. All joint owners, or individuals that can access this account, will be able to see your score. Credit score data based on Savvy Money reporting. Business Checking, Life Essentials and FlexChecking are not eligible for URCovered. See U.S. Eagle for details.

See full guide to benefits here.

An IOLTA Checking Account (Interest On Lawyer Trust Account) is an interest (dividend-)-bearing, demand deposit account used by lawyers to hold client funds. In New Mexico, the dividend earned on IOLTA checking accounts is remitted to the State Bar of New Mexico and provides an important source of funding for civil legal assistance to the poor, legal education, and improvements to the administration of justice in New Mexico.

No Opening Fee Minimum
May be opened without an initial balance.

Free Checks
Free box of checks (50 quantity).
Three sheets of starter checks, free.

Free Anywhere Banking Tools
Free 24/7 online, mobile banking with bill pay.

No Monthly Service Charge^*
Does not include external and other legal fees.
Overdraft fees may be applied.

To ask about IOLTA Checking Account requirements, save time by making an appointment, stop by any branch, or give us a call at 505.342.8888. Or visit our FAQ section for additional details.

*Requirements The account must be established in the name of the attorney or law firm opening the account and indicate that it is an IOLTA account. Attorney or Law firm must present a signed “Attorney Notice to Eligible Financial Institutions” agreement acknowledging that the dividends paid to the account will be remitted to the State Bar of New Mexico on a periodic basis. Attorney must provide Bar Association Card. Important Notes Additional fees may apply to this account type. The account is not protected from overdrafts. An overdraft notification is required of the credit union to the Disciplinary Board of the State Bar of New Mexico whenever an item is presented against insufficient funds, whether or not the item is paid and is reported to the Disciplinary Board of the State Bar of New Mexico is required of the credit union in the case of a dishonored instrument or any other overdraft situation. See US Eagle for account qualification and complete details.