¹Minimum opening deposit for Power Checking Checking is $25. No minimum balance required. Must meet minimum criteria for usage of FCCU Mobile Deposit. Standard carrier text/data rates may apply. Members must be 18 years of age or older to open an account and Power Checking Money Market. Early PayDay requires a direct deposit of the member’s paycheck or government benefits via the Automated Clearing House (ACH) no less frequently than monthly. Early access to direct deposit funds depends on timing of the payment file submission from the payer. FCCU generally makes these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. For government benefits, this could be up to 4 days early. There are no overdraft fees for the first $50.00 a member’s account goes into the negative. CoverMe Overdraft Protection up to $50.00 is provided at no cost. However, there may be out-of-network or third- party fees associated with ATM transactions. CoverMe Overdraft Protection does not cover money movement through apps such as Zelle®, Venmo, and Cash App. Courtesy Pay Protection beyond the $50 CoverMe cushion is not available with Power Checking. NSF fees are capped at five (5) fees per day. Members may make up to two (2) free non-First Commerce Credit Union ATM withdrawals per month after which there is a fee for additional withdrawals at non-FCCU ATMs. ²Minimum opening deposit for Power Checking + CoverMe is $25. For Power Checking + CoverMe accounts, members are eligible for Early PayDay. Early PayDay requires a direct deposit of the member’s paycheck or government benefits via the Automated Clearing House (ACH) no less frequently than monthly. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. For government benefits, this could be up to 4 days early. With an average daily balance (ADB) of $2,500.00 or more members are eligible for: 1) surcharge refunds for withdrawals at non-First Commerce Credit Union ATMs, 2) unlimited withdrawals from non-First Commerce Credit Union ATMs, 3) higher ATM and Debit Card limits, and 4) higher rates on Power Checking Money Market accounts. NSF fees are not assessed on Power Checking + CoverMe accounts. Members may make up to two free non-First Commerce Credit Union ATM withdrawals per month after which there is a fee for additional withdrawals at non-FCCU ATMs as disclosed in the Schedule of Fees and Charges. Although there are no overdraft fees for the first $100 a member’s account goes into the negative, there may be out-of-network or third- party fees associated with ATM transactions. Courtesy Pay Protection is available, and CoverMe Overdraft Protection is provided up to $100.00. CoverMe Overdraft Protection is not available to cover money movement through apps such as Zelle®, Venmo, and Cash App. Members must be 18 years of age or older to select the Power Checking + CoverMe account. 3The +ATM Freedom Package is an optional feature for Power Checking account holders. Members can activate (Opt-In) or cancel (Opt-Out) of the +ATM Freedom Package in digital banking at any time. A fee of $2.99 will be assessed each time the +ATM Freedom Package is activated in digital banking. Activations and cancellations occur immediately and access to the services will be available or terminated upon activation or cancellation. With the +ATM Freedom Package activated, members will receive: 1) surcharge refunds on withdrawals assessed by non-First Commerce Credit Union US based ATM operators, 2) unlimited withdrawals from non-First Commerce Credit Union ATMs, 3) higher ATM and Debit Card limits. For complete terms & conditions, call 850.488.0035 or 1.800.533.5772, or visit one of our locations. Insured by NCUA.