ELGA Credit Union has a checking account to meet your every need. From a basic checking account with free check card and overdraft privilege, to a premium checking account with many added benefits at a low cost to you! As an added bonus, all members with active checking accounts receive a .25% discount on auto loans!

Worry Free Checking with Overdraft Privilege

Features:

• NO Monthly Service Charge
• NO Minimum Balance Requirement
• FREE Unlimited Check Writing
• FREE XpressLink Online Banking and Bill Payment
• FREE Debit Card
• FREE Check Safekeeping – ELGA will store your canceled checks
• PLUS, You’ll Earn Interest*

*Minimum balance of $500 to earn interest.

Overdraft Privilege

Have you ever written a check for more money than you thought you had in your checking account? Found yourself “a little short” at the wrong time? You’ll find ELGA’s Checking with Overdraft Privilege* worry-free. Rather than automatically returning unpaid or insufficient funds items, we will consider payment of your overdraft. You’ll find fewer hassles and embarrassment from having your check returned. More importantly, you save the high cost of return check charges from the merchants.

*View our disclosure for complete information on Overdraft Privilege

Member’s Choice Checking with Overdraft Privilege

All the benefits of our Worry Free Checking, plus these additional benefits will be yours when you become a Members Choice Checking member:

Financial Features

• FREE Personalized Checks
  • Receive FREE special personalized checks. Your checks will be printed with your name and address.
• Travelers Checks, Cashiers Checks, & Money Orders at No Issue Fee
• Up to $1,000.00 Overdraft Privilege

Security Features

• $10,000 Accidental Death & Dismemberment Insurance
  • Members automatically receive this valuable protection 24-hours a day both on and off the job. Coverage is provided by our A+ rated carrier.
• $50,000 Common Carrier Insurance
  • Your Member benefit automatically increases to a total of $50,000 in the event of an accidental death while traveling on a licensed Common Carrier (plane, train, taxi, bus, ship, etc.)
• Credit Card Protection
  • Members can register all major credit cards. If cards are lost or stolen, one toll-free call reports the loss, cancels the cards, stops unauthorized purchases, and requests prompt replacement.
• Lost Key Return Service
  • Works with a number-coded key ring medallion. When keys are found the finder is instructed to drop into any mailbox. Keys are returned to members postage paid.
• Extended Warranty & 90-Day Product Protection
  • Extended Warranty extends original U.S. warranties up to one additional year. Protects purchases for 90 days after the date of purchase against loss, theft, or breakage.

Travel & Entertainment Features

• Travel and Entertainment Discounts
  • Receive major discounts at more than 8,000 Hotels and Motels coast to coast as well as savings on car rentals, cruises, movies, restaurants, grocery shopping and much more!
• Automobile Trip Routing Service
  • No cost detailed route plans for trips to anywhere with exact directions, total distance, hotels and attractions along the route, as well as full-size state maps.
• Lost Luggage Locator Tag
  • When luggage is misplaced or mis-routed, the locator tag includes instructions to call a toll-free Registration Center number. Then you will be contacted regarding how best to return your luggage to you.
• Travel Reservation Service
  • Save money while conveniently making personal or business reservations for airlines, lodging, car rentals, cruises, and tours. The Travel Reservation Center is available 24 hours a day.
• Bonus Travel Dividends
  • Reservations booked through the Travel Reservation Service receive bonus dividends from the purchase price (less taxes) on all scheduled airlines, lodging, car rentals, cruises, and tours purchased.
• Auto Rental Discounts
  • Members receive from 10% to 25% discounts at major car rental companies such as Avis, Hertz, and National.

Health Features

• Pharmacy Discounts
  • Save on prescription drugs on a “Direct Vendor Discount” basis from a large national mail order pharmacy facility.
• Eyewear Discounts
  • Save on frames & lenses, contacts and other services at more than 10,000 eye centers throughout the United States. Members receive up to 50% off the price of eyewear
• Contact Lens Discounts
  • Save up to 50% on replacement lenses by calling a major quality supplier toll-free
• Medical Information Card
  • Carry this personally customized card with you at all times so your vital health & contact information will be immediately available to healthcare professionals in case of a medical emergency. It could save your life.

Shopping Features

• Toll-Free Personal Shopper
  • Shop by phone and find the best price available on brand-name products.
• Price Guarantee
  • By simply using the club account check, members can shop with confidence. If a new item is purchased and the identical item is advertised within 60 days at a reduced price at any retail store, members are eligible to receive reimbursement for the difference up to $100 between the purchase price and the reduced price.

Account Reconciliation Form - .pdf file of the Account Reconciliation Form