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  1. Personal
  2. Checking & Savings
  3. Checking
  4. President’s Club Checking

Jump to

President’s Club Checking

Dividends, exclusive club checks, and free online banking.

Free Community Checking

Free checking that benefits community.

Dividend Option Checking

Dividends and fee free with plenty of options for balances over $750.

Passport Checking

No monthly service charge and dividends for those 55 and older.

President’s Club Checking

Hail to President’s Club Checking, which gives you executive-level perks such as dividends based on your balances, exclusive club checks, and free online banking.

Features

  • Unlimited check writing
  • Receive .10% APY%** bonus on standard certificate accounts
  • Free President's Club checks or $5 credit towards designer checks
  • Earn dividends when you keep an average daily balance of at least $750
  • Free cashier checks
  • Debit Mastercard benefits
**APY=Annual Percentage Yield. Maps Credit Union will add 0.10% to Certificate of Deposit (CD) rates. This offer is only available when a new standard CD account is opened.

Plus

  • Free debit card
  • Free online banking
  • Free bill pay
  • Free eStatements
  • Free mobile app
  • Free text banking

See Details

Balance APY*
$750-$9,999.99 0.15%
$10,000-$49,999.99 0.20%
$50,000-$99,999.99 0.20%
$100,000 and above 0.20%

$25 minimum opening balance

$750 minimum average daily balance to earn dividends

$30,000 minimum in combined loans or deposits to avoid $7.50 service fee

*APY: Annual Percentage Yield.


President’s Club Checking Dislcosures

Dividends on all savings accounts are compounded and credit monthly. Members must keep a minimum of $100 deposited at the credit union to avoid a monthly $3 single service fee. See Fee Schedule for details.

Except as specifically described, the following disclosures apply to all of the accounts:

  1. Rate Information. The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period. For dividend-bearing accounts, the Dividend Rate may change periodically as determined by the Board of Directors. *On all Free Community Checking accounts, one cent per debit card transaction will be donated to the non-profit Maps Community Foundation. No dividends will be earned on the account and no donations will be deducted from the account
  2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. On dividend-bearing accounts, the Dividend Period is based on a calendar month. The Dividend Rate and Annual Percentage Yield set forth above are accurate as of the Effective Date.
  3. Compounding and Crediting. Dividends will be compounded and credited as set forth on the Schedule. The Dividend Period for all dividend-bearing accounts begins on the first calendar day of the Dividend Period and ends on the last calendar day of the Dividend Period.
  4. Accrual of Dividends. Dividends will begin to accrue on cash and noncash deposits (e.g. checks) on the business day you make the deposit to your account.
  5. Balance Information. The minimum balance required to open each account, earn dividends and avoid a service fee is set forth on the Schedule. On all Maps checking accounts, Share Savings accounts, and Youth Savings accounts, the dividends are calculated and the minimum balances required to earn dividends are determined using the actual daily balance method. On Market Investor accounts, the daily balance to keep the account open is $100.
  6. Account Limitations. For Savings and Market Investor accounts, no more than six (6) preauthorized, automatic, telephone transfers, or withdrawals may be made from these accounts to another account of yours or to a third party in any month. If you exceed these limitations, your accounts may be subject to an excessive transaction fee or be closed. No limit on teller transactions. For a Christmas Club account, the account balance will be withdrawn or transferred automatically to you the first week in November (balance withdrawal date), and the account will remain open. On Christmas Club accounts, there is a withdrawal fee if you withdraw any of the account balance prior to the withdrawal date.
  7. Deposit Reclassification. Your checking and savings account shall consist of two subaccounts: (1) a transaction subaccount and (2) a non-transaction subaccount. We shall distribute your funds between these accounts in accordance with our deposit reclassification policy (which may be changed from time to time at our discretion without further notice to you). All of your account transactions will be posted to the transaction subaccount. The balances in the non-transaction subaccount will be transferred to the transaction subaccount as needed to meet your transactional needs in accordance with Federal Regulatory requirements. This process does not adversely impact your access to your funds held in either account. These subaccounts will be treated as a single account for purposes of deposits and withdrawals, access and information, statement reporting, and any fees or charges. There are no separate or additional balance requirements, fees, or charges associated with the creation of these subaccounts. If your account is a non-interest bearing account, neither the transaction subaccount nor the non-transaction subaccount will receive any interest. If your account is an interest-bearing account, both the transaction subaccount and the non-transaction subaccount will receive the same interest rate at all times, and your periodic statement will reflect a single blended Annual Percentage Yield (“APY”) and APY Earned.

Free Community Checking

Your cup of coffee could help change the world. Each and every time you use your Free Community Checking debit card, Maps donates a penny to community causes. It’s not chump change; in 2019, account holders raised more than $105,525.

Features

  • No monthly service charge
  • No minimum balance
  • No limit on how many checks you write
  • Debit Mastercard benefits

Plus

  • Free debit card
  • Free online banking
  • Free bill pay
  • Free eStatements
  • Free mobile app
  • Free text banking

N/A

$25 minimum opening balance


Free Community Checking Dislcosures

Dividends on all savings accounts are compounded and credit monthly. Members must keep a minimum of $100 deposited at the credit union to avoid a monthly $3 single service fee. See Fee Schedule for details.

Except as specifically described, the following disclosures apply to all of the accounts:

  1. Rate Information. The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period. For dividend-bearing accounts, the Dividend Rate may change periodically as determined by the Board of Directors. *On all Free Community Checking accounts, one cent per debit card transaction will be donated to the non-profit Maps Community Foundation. No dividends will be earned on the account and no donations will be deducted from the account
  2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. On dividend-bearing accounts, the Dividend Period is based on a calendar month. The Dividend Rate and Annual Percentage Yield set forth above are accurate as of the Effective Date.
  3. Compounding and Crediting. Dividends will be compounded and credited as set forth on the Schedule. The Dividend Period for all dividend-bearing accounts begins on the first calendar day of the Dividend Period and ends on the last calendar day of the Dividend Period.
  4. Accrual of Dividends. Dividends will begin to accrue on cash and noncash deposits (e.g. checks) on the business day you make the deposit to your account.
  5. Balance Information. The minimum balance required to open each account, earn dividends and avoid a service fee is set forth on the Schedule. On all Maps checking accounts, Share Savings accounts, and Youth Savings accounts, the dividends are calculated and the minimum balances required to earn dividends are determined using the actual daily balance method. On Market Investor accounts, the daily balance to keep the account open is $100.
  6. Account Limitations. For Savings and Market Investor accounts, no more than six (6) preauthorized, automatic, telephone transfers, or withdrawals may be made from these accounts to another account of yours or to a third party in any month. If you exceed these limitations, your accounts may be subject to an excessive transaction fee or be closed. No limit on teller transactions. For a Christmas Club account, the account balance will be withdrawn or transferred automatically to you the first week in November (balance withdrawal date), and the account will remain open. On Christmas Club accounts, there is a withdrawal fee if you withdraw any of the account balance prior to the withdrawal date.
  7. Deposit Reclassification. Your checking and savings account shall consist of two subaccounts: (1) a transaction subaccount and (2) a non-transaction subaccount. We shall distribute your funds between these accounts in accordance with our deposit reclassification policy (which may be changed from time to time at our discretion without further notice to you). All of your account transactions will be posted to the transaction subaccount. The balances in the non-transaction subaccount will be transferred to the transaction subaccount as needed to meet your transactional needs in accordance with Federal Regulatory requirements. This process does not adversely impact your access to your funds held in either account. These subaccounts will be treated as a single account for purposes of deposits and withdrawals, access and information, statement reporting, and any fees or charges. There are no separate or additional balance requirements, fees, or charges associated with the creation of these subaccounts. If your account is a non-interest bearing account, neither the transaction subaccount nor the non-transaction subaccount will receive any interest. If your account is an interest-bearing account, both the transaction subaccount and the non-transaction subaccount will receive the same interest rate at all times, and your periodic statement will reflect a single blended Annual Percentage Yield (“APY”) and APY Earned.

Dividend Option Checking

Pay your bills while paying yourself. Dividend Option Checking pays you when your monthly balance averages at least $750. Plus you’ll get online banking, billpay, text banking and more for free.

Features

  • Dividends when you keep an average monthly balance of at least $750
  • No limit on how many checks you write
  • Debit Mastercard benefits

Plus

  • Free debit card accepted across the world
  • Free online banking
  • Free bill pay
  • Free eStatements
  • Free mobile app
  • Free text banking

0.01%APY*

$25 minimum opening balance

$750 minimum average daily balance to earn dividends/avoid service fee

*APY: Annual Percentage Yield.


Dividend Option Checking Dislcosures

Dividends on all savings accounts are compounded and credit monthly. Members must keep a minimum of $100 deposited at the credit union to avoid a monthly $3 single service fee. See Fee Schedule for details.

Except as specifically described, the following disclosures apply to all of the accounts:

  1. Rate Information. The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period. For dividend-bearing accounts, the Dividend Rate may change periodically as determined by the Board of Directors. *On all Free Community Checking accounts, one cent per debit card transaction will be donated to the non-profit Maps Community Foundation. No dividends will be earned on the account and no donations will be deducted from the account
  2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. On dividend-bearing accounts, the Dividend Period is based on a calendar month. The Dividend Rate and Annual Percentage Yield set forth above are accurate as of the Effective Date.
  3. Compounding and Crediting. Dividends will be compounded and credited as set forth on the Schedule. The Dividend Period for all dividend-bearing accounts begins on the first calendar day of the Dividend Period and ends on the last calendar day of the Dividend Period.
  4. Accrual of Dividends. Dividends will begin to accrue on cash and noncash deposits (e.g. checks) on the business day you make the deposit to your account.
  5. Balance Information. The minimum balance required to open each account, earn dividends and avoid a service fee is set forth on the Schedule. On all Maps checking accounts, Share Savings accounts, and Youth Savings accounts, the dividends are calculated and the minimum balances required to earn dividends are determined using the actual daily balance method. On Market Investor accounts, the daily balance to keep the account open is $100.
  6. Account Limitations. For Savings and Market Investor accounts, no more than six (6) preauthorized, automatic, telephone transfers, or withdrawals may be made from these accounts to another account of yours or to a third party in any month. If you exceed these limitations, your accounts may be subject to an excessive transaction fee or be closed. No limit on teller transactions. For a Christmas Club account, the account balance will be withdrawn or transferred automatically to you the first week in November (balance withdrawal date), and the account will remain open. On Christmas Club accounts, there is a withdrawal fee if you withdraw any of the account balance prior to the withdrawal date.
  7. Deposit Reclassification. Your checking and savings account shall consist of two subaccounts: (1) a transaction subaccount and (2) a non-transaction subaccount. We shall distribute your funds between these accounts in accordance with our deposit reclassification policy (which may be changed from time to time at our discretion without further notice to you). All of your account transactions will be posted to the transaction subaccount. The balances in the non-transaction subaccount will be transferred to the transaction subaccount as needed to meet your transactional needs in accordance with Federal Regulatory requirements. This process does not adversely impact your access to your funds held in either account. These subaccounts will be treated as a single account for purposes of deposits and withdrawals, access and information, statement reporting, and any fees or charges. There are no separate or additional balance requirements, fees, or charges associated with the creation of these subaccounts. If your account is a non-interest bearing account, neither the transaction subaccount nor the non-transaction subaccount will receive any interest. If your account is an interest-bearing account, both the transaction subaccount and the non-transaction subaccount will receive the same interest rate at all times, and your periodic statement will reflect a single blended Annual Percentage Yield (“APY”) and APY Earned.

Passport Checking

With age comes wisdom. And, if you’re 55 or older, it also comes with the opportunity to get Passport Checking, which comes with a host of freebies, plus dividends when you keep an average daily balance of at least $750.

Features

  • No service charge
  • Unlimited checking writing
  • Dividends
  • Debit Mastercard benefits

Plus

  • First box of Passport checks free
  • Free online banking
  • Free bill pay
  • Free eStatements
  • Free mobile app
  • Free text banking

0.01%APY*

$25 minimum opening balance

$750 minimum average daily balance to earn dividends

*APY: Annual Percentage Yield.

Passport Checking Dislcosures

Dividends on all savings accounts are compounded and credit monthly. Members must keep a minimum of $100 deposited at the credit union to avoid a monthly $3 single service fee. See Fee Schedule for details.

Except as specifically described, the following disclosures apply to all of the accounts:

  1. Rate Information. The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period. For dividend-bearing accounts, the Dividend Rate may change periodically as determined by the Board of Directors. *On all Free Community Checking accounts, one cent per debit card transaction will be donated to the non-profit Maps Community Foundation. No dividends will be earned on the account and no donations will be deducted from the account
  2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. On dividend-bearing accounts, the Dividend Period is based on a calendar month. The Dividend Rate and Annual Percentage Yield set forth above are accurate as of the Effective Date.
  3. Compounding and Crediting. Dividends will be compounded and credited as set forth on the Schedule. The Dividend Period for all dividend-bearing accounts begins on the first calendar day of the Dividend Period and ends on the last calendar day of the Dividend Period.
  4. Accrual of Dividends. Dividends will begin to accrue on cash and noncash deposits (e.g. checks) on the business day you make the deposit to your account.
  5. Balance Information. The minimum balance required to open each account, earn dividends and avoid a service fee is set forth on the Schedule. On all Maps checking accounts, Share Savings accounts, and Youth Savings accounts, the dividends are calculated and the minimum balances required to earn dividends are determined using the actual daily balance method. On Market Investor accounts, the daily balance to keep the account open is $100.
  6. Account Limitations. For Savings and Market Investor accounts, no more than six (6) preauthorized, automatic, telephone transfers, or withdrawals may be made from these accounts to another account of yours or to a third party in any month. If you exceed these limitations, your accounts may be subject to an excessive transaction fee or be closed. No limit on teller transactions. For a Christmas Club account, the account balance will be withdrawn or transferred automatically to you the first week in November (balance withdrawal date), and the account will remain open. On Christmas Club accounts, there is a withdrawal fee if you withdraw any of the account balance prior to the withdrawal date.
  7. Deposit Reclassification. Your checking and savings account shall consist of two subaccounts: (1) a transaction subaccount and (2) a non-transaction subaccount. We shall distribute your funds between these accounts in accordance with our deposit reclassification policy (which may be changed from time to time at our discretion without further notice to you). All of your account transactions will be posted to the transaction subaccount. The balances in the non-transaction subaccount will be transferred to the transaction subaccount as needed to meet your transactional needs in accordance with Federal Regulatory requirements. This process does not adversely impact your access to your funds held in either account. These subaccounts will be treated as a single account for purposes of deposits and withdrawals, access and information, statement reporting, and any fees or charges. There are no separate or additional balance requirements, fees, or charges associated with the creation of these subaccounts. If your account is a non-interest bearing account, neither the transaction subaccount nor the non-transaction subaccount will receive any interest. If your account is an interest-bearing account, both the transaction subaccount and the non-transaction subaccount will receive the same interest rate at all times, and your periodic statement will reflect a single blended Annual Percentage Yield (“APY”) and APY Earned.

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Maps Credit Union
PO Box 12398
Salem, OR 97309

Routing #323276388
1-800-688-0181
[email protected]

© 2021 Maps Credit Union

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