NGFCU: Checking

Your savings insured to at least $100,000 by the National Credit Union Administration, a U.S. Government Agency.	Section contents: A Northrop Grumman Federal Credit Union checking account, also commonly known in credit unions as a Share Draft Account, offers every convenience of a bank checking account, plus the added benefit of monthly accrual of dividends posted to your account when you maintain a low average daily balance of at least $500. There are no minimum balance requirements, no monthly service charges, and no per-check fees. Members may earn dividends, and have access to funds anytime--either in person by writing checks, at ATM machines or, with a Visa ATM/Check Card, at point of purchase. Two types of checking accounts are available: the Regular Share Draft Account and the Business Checking Account.
Eligibility
	All members who qualify through Chex* Systems.
Summary
	Northrop Grumman Federal Credit Union Share Draft accounts offer a variety of benefits to members: Payroll Deduction available through Northrop Grumman payroll Direct Deposit from most employers and government checks Direct deposit of social security and most retirement checks No risk with Federal insurance to $100,000 Dividends compounded monthly No monthly service charge No per-check fee Checks with carbonless copies provide an instant copy of the check you write and eliminate the need to return your checks Monthly statement Print cleared checks online through the_Max! eBranch Overdraft Protection available free of transaction fees from your Regular Share Account MoneyMaster Line of Credit Money Market Account Transfer funds from your other accounts or MoneyMaster Line of Credit with Call-24 or the_Max! eBranch Access through these ATM networks: Cirrus, Maestro, Star, CO-OP, Norteller* (proprietary ATMs) Withdraw up to $400 per day at your ATM and make deposits at Norteller and many CO-OP ATMs Free checks for senior citizens (age 65 and over) with qualifying direct deposit - 1 order per year Point of purchase and ATM access with a Northrop Grumman FCU VISA ATM/Check Card
Minimum Requirements
	The following requirements apply to checking accounts: Minimum opening deposit of $25 Thereafter, no minimum balance Earn a monthly dividend, when you maintain an average daily balance of at least $500