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Basic 检查

无论您的余额是多少，支票账户都很方便——没有最低要求!

Open an Account

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Basic 检查

A 检查 account that keeps things simple.

关键特性

  • No minimum balance
  • Unlimited transactions and check writing
  • First 40 检查 FREE
  • Multiple overdraft protection options
  • 签证® 借记卡，可以方便地在零售商处刷卡、刷卡或刷卡付款

MAY BE A GOOD CHOICE IF

  • You use direct deposit, are 50 or older, or under age 25 — no monthly fee!
  • You don't want to have to maintain a minimum balance

问题?

Our experienced, helpful member service team is ready to support you!

1-800-621-2105

即时聊天 Schedule Appointment with 检查 Expert

Chat Available Mon-Fri, 9 am-4:30 pm Eastern

元素 Debit Cards

Get a Debit Card that is So You

申请支票账户时，有三种借记卡可供选择:

  • 元素 — Our standard debit card style
  • Butler University — 回来 the Bulldogs every time you use it
  • 印第安纳波利斯印地安人队——表达你对印第安纳波利斯小联盟棒球队的支持

How do I know if Basic 检查 is right for me?

A couple depositing a check with their cell phone

If you are at least 50 or under 25, 这可能是适合你的支票账户，因为无论你持有多少余额，每月都不收取维护服务费. If you’re between 25 and 49, 你也没有月费，只要你有直接存款或保持至少10美元的余额,000 across all accounts. If you want the freedom of unlimited transactions and check writing, this is also a good choice for you. With Basic 检查, you'll also enjoy:

Great Features
  • No minimum balance
  • First 40 检查 FREE
  • Real-time fraud alerts
  • Online check images
  • 能够将您的帐户连接到苹果支付, 谷歌支付, 三星支付和其他数字钱包
  • FREE access to your 信用评分
方便
  • 签证® debit and ATM card with security chip accepted anywhere 签证 is
  • Access to more than 78,000 surcharge-free 自动取款机 在世界范围内
  • Shared branch access at more than 5,000 分支机构 在全国范围内
  • Lost debit card? 没有问题. Just freeze it from anywhere using the 卡控制 应用程序. 然后使用 CardSwap 当你得到你的新卡更新你的付款信息在一个地方超过50在线购物, 流媒体, and other subscription services
  • The convenience of direct deposit of payroll or federal benefits

注意:基本支票没有股息，因此没有特定的利率.

Open an Account Compare to Other 检查 Accounts

How does Basic 检查 compare to other 检查 options?

One difference is that Basic 检查 does not earn dividends. See below for other comparisons.

 

  Basic 检查 High Interest 检查 学生 Edge 检查
  Open an Account Open an Account Open an Account
关键好处

No minimum balance requirements

Multiple overdraft protection options

First 40 检查 FREE

New accountholders enjoy 5.00% APY for 12 months on balances up to $20,0001

有资格赚取股息，每个报表周期只有15笔符合条件的交易

Multiple overdraft protection options

First 40 检查 FREE

For students ages 15 to 24

No minimum balance requirements

No overdraft fees
A Good Option If You

Use direct deposit, are 50 or older, or under age 25 — no monthly fee!

You don't want to have to maintain a minimum balance

想要在赚取股息的同时享受传统支票账户的灵活性

Typically maintain a high daily balance

学生是否想要没有最低余额的灵活性和没有透支费的安全性

Want to teach your child how to manage their money
Annual Percentage Yield (APY) —

5.在12个月内，新账户持有人的余额最高可达20,000美元，年利率为00%1

 —
Unlimited Transactions
No Minimum Balance
Monthly Maintenance Service Charge

$0 if you set up direct deposit, maintain a balance of $10,000 in your 元素 accounts, or are age 50 or older or under age 25

Otherwise, $5 per month

$0 when enrolled in estatements!

Otherwise, $5 per month

$0
No 透支费 — —
First 40 Checks Free
  Open an Account Open an Account Open an Account

What fees can I expect?

Maintenance Fees

如果您设置直接存款或保持10美元的余额，基本支票每月不收取维护服务费,000 or higher (including savings, 检查, 和贷款). 如果您的年龄在50岁或以上或25岁以下，也没有每月的维护服务费. 如果这些条件都不适合你，那么每月需要支付5美元的维护服务费.

透支费

当您的账户中没有足够的可用资金(可用余额)来支付交易时，就会发生透支, 无论如何, 收费的. Under our standard overdraft practices, we will charge you a fee of up to $32 each time we pay an overdraft. 透支您的帐户，我们可以向您收取的总费用是没有限制的. Learn more about overdraft coverage.

Ordering Checks

有时你可能需要写一张实际的纸质支票，所以手头有一些是很好的. Your first 40 检查 for your new 检查 account are FREE. 对于50岁以上或退休的元素 Financial会员，支票订单也是免费的. After your first 40 检查, you may reorder 检查 for your account. Checks typically range from $14 to $30 per 80 检查. Call us for specific check printing pricing and reorders at 1-317-276-2105.

Other Possible Fees

There are small fees for requested transactions, 比如要求打印账户历史记录，或者催促更换借记卡. 你可以 view these and other fees within the 检查 account agreement and terms and conditions. 

就是这样, there are no other fees with Basic 检查!

What overdraft coverage comes with my account?

A family of three shopping in the winter

元素授权并支付来自支票和自动账单支付的透支. We will charge you a fee of up to $32 each time we pay an overdraft. To avoid overdraft fees, 你可以设置自动转账，从你的一个账户到另一个账户，以匹配你的透支金额. There is no fee for this service.

How to Set Up 汽车-Transfer for Overdrafts

元素不授权和支付ATM交易和日常借记卡交易的透支，除非您通过注册要求我们 Overdraft Privilege Extended Coverage. 

了解更多 about Extended Coverage

Is 元素 Online Banking easy to use?

A woman with her phone and a bag of shopping items

是的!

它很容易做你的银行和预算与元素-无论你在哪里. 我们哪个赌钱app比较好的目标很简单:为您提供最先进的数字银行体验，您可以信赖，并在所有设备上保持一致.

With 元素 Online Banking and our 手机应用程序, you can:

  • Check your balances, make loan payments, and transfer money between accounts
  • Deposit 检查 using your phone or computer camera
  • View check images online
  • Pay your bills online 24/7/365
  • Review your account history with a 14-month electronic archive of statements
  • 定位 分支机构 and ATMs 你附近
  • 看到你的 信用评分 with any 检查 account or loan
  • Pay friends and family conveniently with Zelle® plus other digital wallet options
  • 和更多的

了解更多 about Online Banking

I like to use digital wallet options (like 苹果支付) to pay for things. Does 元素 offer that?

A woman paying with her phone

是的! 元素提供了多种数字钱包选项，帮助您增加生活的安全性和简便性——我们还在不断增加更多选项. 例如，你的借记卡允许你通过以下方式从支票账户中付款:

  • 苹果支付
  • 谷歌支付
  • 三星支付
  • 贝宝
  • Zelle®
  • 亚马逊重新加载
  • 这个标志anywhere 签证 is accepted online

了解更多 about Digital Wallet Options

Why should I choose 元素 for my 检查 account?

A woman depositing a check with her phone.

Like a Bank, Only Better!

更好的利率. 更少的费用.

Because we’re a credit union, we return profits to members in the form of reduced fees, higher savings rates and lower loan rates.

可信的建议. Fresh Approach.

We pride ourselves in being a trusted source for financial education. 你的财务健康专家会来到你的工作场所回答你的问题，并为你提供一对一的帮助，帮助你应对人生每个阶段的变化.

Respected Locally. Accessed Globally.

Headquartered in 印第安纳波利斯 since 1930, we rank among the top 3% of credit unions nationally2. We serve members in all 50 states and 50+ countries. 您可以使用全国5000多家共享分行和全球78000多台免费atm机.

高科技. 人类接触.

Our technology makes banking with 元素 easy. 从快速的数字应用程序到在线和移动银行，无论您走到哪里，我们都会在您身边. 我们在这里为您提供全天候会员服务，并在工作日进行实时聊天.

开始

How do I open an account?

Getting started is as easy as 1-2-3!

  1. Open an account online - Open an account online in as little as 10 minutes. 或打电话 1-800-621-2105 开始吧. Have your government-issued ID (driver’s license, 状态标识, or passport) and your Social Security number ready.
  2. Check your email - 您将在一个工作日内收到一封电子邮件，通知您帐户批准. 就是这样! Your Basic 检查 Account is now open.
  3. Enroll in Online Banking - Easily check your balances, make loan payments, pay bills and transfer money between accounts from your smartphone, 平板电脑, laptop or desktop. Learn more about Online Banking.

Open an Account Enroll in Online Banking

元素拥有我在银行寻找的所有功能，包括一个易于使用的应用程序，我在支票账户上赚取了很高的利率.

——约翰·S. | Member since 2018

Trusted Banking 建议. Fresh Approach.

Banking 建议

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Other 检查 Options
  1. 1 Promo 5 High Interest 检查 (Promo HINT) is a High Interest 检查 account with blended rate tiers, 这意味着规定的股息率将支付给每一层的余额部分. Tier 1 earns a promotional 5.00% fixed Annual Percentage Yield (APY) on balances up to $20,000.00 for the first 12 months from the account opening date. *Tier 2 pays a blended APY ranging from 5.00% to 2.02% on balances from $20,000.01 to $50,000.00 and is variable and may change at any time without notice. To earn Tier 1 or Tier 2 dividend rates, 15 qualifying transactions must post per statement cycle on the account. 报表周期包括从上月最后一个营业日到本月最后一个营业日之间的所有交易. Accounts not meeting the qualifying transaction threshold will earn 0.05% APY which is variable and may change at any time. 利率 are accurate as of May 1, 2024. On the first day of the month following the account opening anniversary month, Promo 5高息支票(Promo HINT) APY将自动转换为当时的非促销高息支票账户APY, APY是可变的，可以随时更改，恕不另行通知. Current High Interest 检查 account holders, 优惠四高息支票帐户持有人及任何高息支票帐户于180天内关闭的人士均不符合申请资格. 现有的高息支票帐户不能转换为Promo 5高息支票(Promo HINT)帐户. Limit one Promo 5 High Interest 检查 (Promo HINT) account per person. Other qualifications may 应用程序ly. Promotional offer may be discontinued at any time. Only the following are qualifying transactions: 借记卡购买，支票，账单支付，ATM取款和ACH取款. No other transactions qualify. At least one account holder must be at least 18 years old. Fees may reduce earnings.
  2. 2 Based on asset size as of 12/31/2022.