• Unlimited Check Writing - There's no charge for Platinum 50 Checking when you maintain a $500 minimum daily balance--otherwise it is $7 per month. Either way, there are no per-check charges.
• Free Specially Branded Checks - Receive your specially branded checks for members only at no charge. (One box per year)
• VISA® Check Card - Monthly fee will apply. See separate pricing schedule.
• Free Online Banking with Free Bill Pay - Enjoy the convenience of checking the status of your account online with IBANC. You'll also receive our convenient Online Bill Pay feature for no additional monthly fee! (Authorization is required)
• No-fee Traveler's Checks & Official Checks - Get unlimited traveler's checks and up to four no-fee official checks per month.
• Discount on Safe Deposit Box - Receive a 25% discount for your new safe deposit box.
• $500 Overdraft Protection Privilege* - Available for your convenience, with a $500 limit.
• Free Check Image statements - Our check imaging service simplifies your record keeping by scanning your checks and arranging them together in number order on an easy-to-read printout.
• No Closing Costs on a Home Equity Line of Credit - Open a low-interest home equity line of credit and we'll waive all closing costs.
• $5,000 Travel Accidental Death Insurance - You're protected when you travel by automobile or licensed common carrier (scheduled airline, bus, taxi, and train).
• Payment Card Protection - If you ever lose a registered credit, debit, or ATM card, simply call our toll-free number, and all your card issuers will be notified for you.
• Personal Identity Protection - Should you become an identity theft victim, you are eligible for reimbursement of up to $1,000 in direct costs associated with recovering your identity.
• Local & National Dining Savings - Enjoy savings of up to 50% at hundreds of dining establishments ranging from upscale restaurants to casual family eateries.
• Travel, Hotel & Recreation Discounts - Members save up to 50% at over 15,000 hotels in popular destinations worldwide. Enjoy preferred rates on condo rentals and save 10-25% on car and RV rentals. Also, take advantage of discounts on golf and ski vacation packages, theme park admissions, sporting event tickets, and many other exciting activities.
• Local & Online Shopping Discounts - Enjoy access to discounts at a variety of retailers. Save on clothing, electronics, jewelery, books and much more!
• Local Services Discounts - Save up to 50% on profesional services including dry cleaning, business services, photography, house cleaning, lawn care, home security, and automobile services.

*Normal NSF paid item, NSF return item and overdraft fees will apply; see separate pricing schedule.  A separate qualified application is required.  NSF paid item or NSF return item fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means.  Negative account balances must be cleared on your account at least once in each 30 day period.  The bank will normally pay overdrafts within the overdraft privilege limits, however payment is a discretionary courtesy, not a right or obligation and may cease at anytime without prior notice or cause.  Generally, the bank will not pay items into overdraft if:

For other terms and conditions please ask for a disclosure.