Checking and Debit Card

Our checking account is simple to understand. There are no hidden fees and no minimum balance requirements.

Details:

• Free Visa Debit Card, accepted wherever you see the Visa logo
• $50 minimum opening deposit
• Nationwide ATM networks
• No annual fee
• No minimum balance
• CALCOE Edge Rewards – Login to your Online Banking to check how much you’ve earned!

Benefits:

• No annual fees and no minimum balances saves you money
• Extensive nationwide ATM networks gives you convenient access to cash
• From buying online to the store down the road, your free debit card is a must-have convenience
• OmniShield Select – top notch fraud monitoring to help keep your purchases safe and your identity safer

Personalize Your Checking:

• Overdraft Protection available
• Convenient account access through Mobile and Online Banking
• Remote Deposit Capture – deposit your checks remotely with the CALCOE app
• Debit Card Round Up – save your debit card change
• Direct Deposit
• Enroll in Manage My Cards in the CALCOE mobile app to receive notifications of transactions to monitor unauthorized spending and turn off and on your debit card

Visit one of our BRANCH LOCATIONS

 

Overdraft Protection

Protection when you need it. Peace of mind when you don’t.

Courtesy Pay*	Non-Sufficient Funds items are paid	$30 per overdraft
Balance Transfer	Non-Sufficient Funds amount is transferred into checking from another account for payment	$5 per transfer
Line of Credit	Covers overdraft amount, you just pay back the balance plus minimal interest to the line of credit	Interest due
Credit Card Overdraft Protection	Non-Sufficient Funds amount is transferred into checking from Visa credit card	1% of transaction amount; min $5 and max $15

*Must be at least 18 years old and not past due on any CALCOE obligation. New share draft/checking accounts opened 90 days or less may have a $500 overdrawn limit including fees; any further overdrawn items will be returned as Non-Sufficient Funds. Eligibility is at discretion of CALCOE. There is no limit to the total fees that can be charged per account. Repayment of overdraft balance and fees are payable upon demand. Repayment of Courtesy Pay balance is required within 10 days or Courtesy Pay/Share Draft/Checking privileges my be suspended or revoked.

More information: Non-Sufficient Funds & Overdrafts

 

CALCOE Edge Rewards

Shop. Swipe. Earn. CALCOE Edge Rewards allows you to accumulate points to redeem for cash back, gift cards, merchandise, travel, experiences, donations, or even immediate savings when you swipe your card! If you use your debit or credit card, you’re earning points. Participation is automatic, no need to start an account or register to participate. Just log into Online Banking, hover over Member Services, and click the link for “CALCOE Edge Rewards” to check your balance and redeem.

Visit the CALCOE Edge Rewards Site

 

Debit Card Round-Up

Every time you use your debit card, the transaction will be rounded up to the nearest dollar, and at the end of the day, the increased amount from each of your transactions will be transferred from your debit card checking account into a designated account as a single transaction.

The program is FREE. There’s no cost to enroll. Also, the round-up transfer will only happen if you have extra funds at the end of the day; it won’t ever overdraw your account.

Enrollment is simple.

1. Let us know you would like to enroll in Debit Card Round Up
2. Your Member Service Representative will then ask a few simple questions like which savings account your debit card change will be deposited
3. Watch your savings grow every time you use your debit card

 

Check Reorder

To reorder checks please visit Deluxe by clicking on the icon below.

 

 

Christmas Club

By having a checking account, you are eligible for a higher dividend savings account.

MORE INFORMATION ON CHRISTMAS CLUB