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| Personal Checking Features | Common Cents Checking
Start Now | NuDreams Checking
Start Now | Ultimate High-Yield Checking
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The Perfect
Choice if… | You rely on your debit card for your day-to-day purchases, like to access your account on the go and would like to do more with your money. | You are a teen and want to learn how to use a checking account, have access to your own debit card and get rewarded along the way. | You are a debit card user, carry a higher checking balance and want to make your money work harder. |
| Requirements Per Statement Cycle 1 | Must be registered for
E-Statements and log into NuMark Online or NuMark Mobile at least once. | 13-17 Years Old
Parent/Guardian as Joint Signer | - Minimum 12 debit card transactions
- At least $500 in Direct Deposits (aggregate)
- Must be registered for
E-Statements and log in at NuMark Online or NuMark Mobile at least once. |
| Earns Rebates/Interest | $0.10 for every
signature-based or online debit card transaction of
$10 or more. 2 | — | Higher interest on the first $10,000. Lower interest on the portion of balance over $10,000. 3 |
| Minimum Balance | $0 | $0 | $0 |
| Monthly Fee | $0 | $0 | $0 |
| Perks | Monthly Rebates 2 | — | Up to $5 ATM fees refunded. 3 |
| Non-Network ATMs | First 4 Free | First 4 Free | First 4 Free |
Surcharge Free ATMs
  | Over 55,000 Free ATMs | Over 55,000 Free ATMs | Over 55,000 Free ATMs |
| Courtesy Pay Enjoy convenience and peace of mind knowing that NuMark Credit Union will cover checks, electronic payments, debit card purchases, ATM withdrawals and transfers that won’t clear due to non-sufficient funds (NSF), helping you avoid the hassle and expense of a declined transaction. For this service there is a $30 fee for each covered item. Account balances should be brought positive within 30 days or less. Generally, overdrafts in excess of $1,000 are not paid for personal accounts opened more than 60 days. These limits include any non-sufficient funds and/or courtesy overdraft fees. |  | — | |
| QuickCa$h Overdraft Protection Available | | — | |
| Free Visa Debit Card | | | |
| Free Online Banking | | | |
| Free Bill Pay | | | |
| Free E-Statements | | | |
| Free E-Alerts | | | |
Free Mobile Banking
*Data and other wireless carrier charges may apply. | | | |
| Mobile Check Deposit | | | |
| Digital Wallet | Apple Pay, Google Pay, Samsung Pay, Visa SCR, and LG Pay |
| Switch Kit | | | |
| Shared Branching (CO-OP) | Over 5,600 | Over 5,600 | Over 5,600 |
Need a second chance at checking? Call 815-729-3211 or contact us for more information.
1Statement Cycle means a period beginning the first day of the current statement cycle through the close of the current statement cycle.
2Federally Insured by NCUA. Account holders earn $0.10 for every signature-based debit card transaction debit card transaction over $10.00 that posts and settles during each monthly statement cycle. Qualifications to earn rebates: e-Statements, and at least one login to NuMark Online or NuMark Mobile each statement cycle. Rebates will be credited to account on the last day of monthly statement cycle. If qualifications are not met, rebates will be forfeited. ATM and PIN-based transactions do not count towards qualifying debit card transactions. Excludes business and commercial accounts.
Not all applicants will qualify.
3 Federally Insured by NCUA. Earn higher interest on the first $10,000 and lower interest on the portion of balance over $10,000. See numarkcu.org for current Deposit Rates. Qualifications to earn interest: 12 signature-based debit card transactions posted and settled, direct deposit of $500 or greater, e-Statements, and at least one login to NuMark Online or NuMark Mobile each statement cycle. If qualifications are met each monthly qualification cycle interest will be credited to account on the last day of monthly statement cycle. If qualifications are not met, interest is forfeited for that period. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. Limit one account per SSN. Excludes business and commercial accounts. Not all applicants will qualify.
Refer to the Fee Schedule for details. Other restrictions may apply. NuMark Credit Union checking is free; however, if incurred, fees such as a stop payment or NSF fee will apply. Please refer to the NuMark Credit Union Fee Schedule for a list of these types of fees. A fee will apply if you choose to receive an account statement in paper form; refer to the Fee Schedule. To avoid paper statement fee, log in to your NuMark online banking account and change your statement preference to E-Statement.
All of your accounts are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the National Credit Union Administration, so your money is safe and sound.
Preventing Overdraft Fees
