Personal Checking Accounts

Save on the things you buy and earn money.*

Benefits

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

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

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 US Eagle CashBack 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 Mobile Phone Protection
Protects your phone if broken or stolen.
Up to $600 per claim - $1,200 per year.
Mobile service payment through US Eagle Perks Plus Checking required.

Free ID Theft Aid*
$10,000 personal identity theft benefit.
Credit monitoring.
Credit reporting and score.
Identity monitoring.
Identity and fraud restoration support.

Free 24/7 Roadside Assistance*
Gas fills, towing, lockouts and more.
Up to $80 per event, unlimited use.

Free Buyer’s Protection/Extended Warranty*
Up to 180 days after purchase.
Get the lower price if it comes down.
Up to $2,500 protection per item for theft or accidental breakage.
For purchases made through US Eagle Perks Plus Checking required.

Free Health Savings Card*
For use through your BAZING app.
Save money on prescriptions, eye exams, frames, lenses, hearing aids and more.

Free $25,000 Accidental Death Coverage*
Peace-of-mind policy available through our credit union insurance.

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

$9 monthly fee waived with monthly average balance of $5,000 or more.

*Must qualify for US Eagle membership including $5 share deposit. $25 minimum deposit required to open checking account. $9 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 US Eagle Checking members in good standing. Automatic enrollment after 90 days of membership. Limits for members in good standing: $500 for new members, $1,000 for memberships five years plus. 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. $25 minimum opening amount and membership qualification, including $5 share deposit, required for account opening. Monthly account fees may apply. Not available for all checking account types.

Early PayDay Direct deposit enrollment required for US Eagle Early PayDay. 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.

Coverages Vary by checking account type and are subject to terms and conditions. See Guide to Benefits. Mobile phone protection, personal identity theft benefit, buyer's protection and insurance products are not a deposit, not federally insured, not an obligation or guaranteed by US Eagle, its affiliates, or any government agency. Up to $80 in covered service charges for roadside assistance per event, unlimited use. Annual savings based on StrategyCorps research.

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 by visiting and registering at EagleCashBack.org. Minimum cashback redemption amount of $15 required. Visa, Tap-To-Go and Zero Liability are trademarks of Visa, Inc. See US Eagle for details.

Save up to $1,000 a year on the things you already buy.^*

Benefits

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

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 US Eagle CashBack 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 Mobile Phone Protection
Protects your phone if broken or stolen.
Up to $600 per claim - $1,200 per year.
Mobile service payment through US Eagle Perks Plus Checking required.

Free ID Theft Aid*
$10,000 personal identity theft benefit.
Credit monitoring.
Credit reporting and score.
Identity monitoring.
Identity and fraud restoration support.

Free 24/7 Roadside Assistance*
Gas fills, towing, lockouts and more.
Up to $80 per event, unlimited use.

Free Buyer’s Protection/Extended Warranty*
Up to 180 days after purchase.
Get the lower price if it comes down.
Up to $2,500 protection per item for theft or accidental breakage.
For purchases made through US Eagle Perks Plus Checking required.

Free Health Savings Card*
For use through your BAZING app.
Save money on prescriptions, eye exams, frames, lenses, hearing aids and more.

Free $25,000 Accidental Death Coverage*
Peace-of-mind policy available through our credit union insurance.

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

Save hundreds each year – for only $6 per month.

*Must qualify for US Eagle membership including $5 share deposit. $25 minimum deposit required to open checking account. $6 monthly fee for Perks® Checking.

URCovered US Eagle Checking members automatically enrolled in URCovered service after 90 days of membership. URCovered Limits: $500 after 90 days of membership; $1000 after five years of membership for members in good standing. No fee for URCovered service or per overdraft. Member requirement to bring account current within 45 days. Not applicable to all checking products. URCovered service requires separate enrollment for ATM and debit card use.

Early PayDay Direct deposit enrollment required for US Eagle Early PayDay. 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.

Coverages Vary by checking account type and are subject to terms and conditions. See Guide to Benefits. Mobile phone protection, personal identity theft benefit, buyer's protection and insurance products are not a deposit, not federally insured, not an obligation or guaranteed by US Eagle, its affiliates, or any government agency. Up to $80 in covered service charges for roadside assistance per event, unlimited use. Annual savings based on StrategyCorps research.

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 by visiting and registering at EagleCashBack.org. Minimum cashback redemption amount of $15 required. Visa, Tap-To-Go and Zero Liability are trademarks of Visa, Inc. See US Eagle for details.

The basics and more – for everyday life^*.

Benefits

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

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

Free ID Theft Aid*
$1,000 personal identity theft benefit.
Identity and fraud restoration support.

Free Buyer’s Protection/Extended Warranty*
Up to 180 days after purchase.
Get the lower price if it comes down.
Up to $2,500 protection per item for theft or accidental breakage.
For purchases made through US Eagle Life Essentials Checking required.

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

$3 monthly fee is waived with e-statements, or if the primary account holder is under 18 or over 65.

*Must qualify for US Eagle membership including $5 share deposit. $25 minimum deposit required to open checking account. $3 monthly fee for Life Essentials® Checking (waived if you elect to use e-statements or over/under ages 18 or 65).

URCovered US Eagle Checking members automatically enrolled in URCovered service after 90 days of membership. URCovered Limits: $500 after 90 days of membership; $1000 after five years of membership for members in good standing. No fee for URCovered service or per overdraft. Member requirement to bring account current within 45 days. Not applicable to all checking products. URCovered service requires separate enrollment for ATM and debit card use.

Early PayDay Direct deposit enrollment required for US Eagle Early PayDay. 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.

Coverages Vary by checking account type and are subject to terms and conditions. See Guide to Benefits. Mobile phone protection, personal identity theft benefit, buyer's protection and insurance products are not a deposit, not federally insured, not an obligation or guaranteed by US Eagle, its affiliates, or any government agency. Savings based on StrategyCorps research. See US Eagle for details.

Checking accessibility – without the 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.

$3 monthly fee.

*Must meet qualifications to open US Eagle checking account including credit union membership by opening a $5 share account and $25 minimum checking account deposit. 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. Type/Origination of pay may impact early check delivery. See US Eagle for details.

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.