More Than Just No Overdraft Fees
Let’s face it. One of the biggest hassles with any checking account is overdraft fees. Especially when it comes to checking accounts that call themselves ‘free.’
So, no overdraft fees - plus we're offering you free URCovered.
What does URCovered do for you? Simply put - we cover your purchases and ATM withdrawals even if the money's not there. With no fee.
Sounds too good to be true, right?
Well, we wouldn't be around as long as we've been if we didn't put people first. Get all the details below. And see why you should have your checking account with us
Without URCovered, your payment may be declined for not having sufficient funds in your account. Many banks also continue to charge non-sufficient funds (NSF or ‘overdraft’) fees that drive your account further into the negative.
If you’re a member in good standing with URCovered, you won’t be charged an overdraft fee and we’ll cover your charge – up to $500 member in the Perks® Checking and up to $1,000 for members in the Perks® Plus Checking.
All accounts in good standing are automatically enrolled in URCovered after 90 days of opening your checking account. You do have to choose to enroll in URCovered for debit card and ATM transactions separately.
Again, there is no fee for this service. Life Essentials, FlexChecking and Business checking accounts are not covered by URCovered.
Your obligation is to bring your account balance current within 45 days or your membership will be reevaluated.
It’s simple. We’re a co-op. It means you own U.S. Eagle versus shareholders we need to make money for. At 100,000+ members strong, our financial strength allows us to do even more for our member-owners. The stronger we become together, the more financial advantages we’re able to provide our members. That’s something we’ve never forgotten and one of the reasons U.S. Eagle is New Mexico’s longest-standing, member-owned credit union. People mean more than profits at U.S. Eagle.
Let’s start with the free stuff on our Perks Plus® Checking Account.*
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.
Cashback Debit Card*
Unlimited cashback on every signature-based purchase.
No fee US 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.
There’s even more free stuff. But you get the idea.
We also have other checking accounts like Life Essentials® that covers the checking account basics and FlexChecking® for those who are trying to establish credit or may find it difficult to get a checking account elsewhere.
We don’t believe in misleading people. All of our checking accounts have a monthly fee EXCEPT for Life Essentials® that does not have a monthly fee if you use free e-statements or if the account holder us under 18 or over 65 and Perks Plus® if you carry a monthly average balance of $5,000 or more – but you get a heck of a lot with that account including dividends. We’re transparent about the fees we do charge – please visit our fee schedule for all that we do charge fees for.
URCovered is only available for Perks® Plus and Perks® checking accounts.
Time for a better checking account? Get started here.
Call 505.342.8888 or just stop by your nearby U.S. Eagle location.
*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 Perks Plus and Perks 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 (only available with Perks Plus and Perks Checking accounts). 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.