Share Accounts
The share account interest rate is 2%
Checking Accounts
The checking account will have no service charge, and will have overdraft protection, at a
fee of $3.00 per overdraft, when you have a savings account with the funds needed to cover
the overdraft. This will not be automatic–you will need to sign up for this service. If
you do not have funds to cover the overdraft a NSF fee of $25.00 will apply.
Also, direct deposit is available for both savings and checking accounts. This is no longer limited to active Port employees only; anyone who has an account with the credit union will be able to direct deposit into that account.
ATM/Debit Card
A Visa ATM/Debit card will be issued to any member opening a checking account. There is a
limit to the amount of purchases you make in a day, call the credit union for information,
also, you are limited to two (2) cash withdrawals per day from an ATM machine.
Your cash withdrawals cannot exceed $405.00 per day including any fees. If you should ever
need your card replaced, there is a $5.00 replacement fee. A NSF fee of $25.00 will apply
on your Visa as well.
Cashier Checks
The credit union is already offering Cashier Checks at a fee of $7.00.
ACH Processing
As mentioned above, direct deposit is now available at the credit union. With this
service, you will also be able to pre-authorize recurring automatic payments out of your
account. This would need to be setup with whoever will be receiving the payment. However,
you will need to instruct us concerning these payments.
Online Banking
If we approve Online Banking for your accounts, a separate personal identification number
(PIN) will be assigned to you. You must use your PIN
along with your account number to access your accounts. Beginning in September you may use
Online Banking to transfer funds from your savings and checking accounts, obtain balance
information for your savings, checking and loan accounts, and make loan payments from your
savings and checking accounts. There is no limit to the number of inquiries, transfers or
withdrawal requests you may make in any one day. The Online Banking will be available
twenty-four (24) hours a day, with the exception of a short interruption each day for data
processing.
Share Accounts
The credit union provides life insurance on your share account as well as loan
protection insurance on any loan you have, at no cost to the member.
Wire Transfers
Wire Transfers are available at a fee of $10.00. Maximum amount for a wire transfer is
$10,000.00.
Money Orders
Money orders are available at a fee of $2.00. Maximum amount for a money order is
$1,000.00.
Postage Stamps
Postage Stamps are $9.20 per book, which includes a 80 cent fee.
Insurance Coverage
The N.O. Port Commission Employees Credit Union provides insurance coverage to our members
at no cost to the member:
Life Savings Insurance: Upon the death of a member, their beneficiary will receive up to $2,000 in life insurance.
Total Loan Protection: Upon death or disability of a member, whatever loans they have outstanding will be paid in full.
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Christmas Club Application (.pdf)
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