Basic Checking

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. 如果你想要无限制交易和支票书写的自由, this is also a good choice for you. With Basic Checking, you'll also enjoy:

Great Features

• No minimum balance
• First 40 checks FREE
• Real-time fraud alerts
• Online check images
• 能够将您的帐户连接到Apple Pay, Google Pay, Samsung Pay和其他数字钱包
• FREE access to your credit score

Convenience

• Visa® 有安全芯片的借记卡和ATM卡在任何地方都可以使用
• Access to more than 78,000 surcharge-free ATMs worldwide
• Shared branch access at more than 5,000 branches nationwide
• Lost debit card? No problem. Just freeze it from anywhere using the Card Control app. Then use 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, streaming, and other subscription services
• 直接存入工资或联邦福利的便利性

注意:基本支票没有股息，因此没有特定的利率.

Open an AccountCompare Other Checking Accounts

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

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, checking, and loans). 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.

Overdraft Fees

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, anyway, for a fee. Under our standard overdraft practices, 每次透支，我们将向您收取高达32美元的费用. 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 checks for your new checking account are FREE. 对于50岁以上或退休的Elements Financial会员，支票订单也是免费的. After your first 40 checks, you may reorder checks for your account. Checks typically range from $14 to $30 per 80 checks. 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. You can view these and other fees within the checking account agreement and terms and conditions. 

That’s it, there are no other fees with Basic Checking!

Elements授权并支付来自支票和自动账单支付的透支. 每次透支，我们将向您收取高达32美元的费用. 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 Auto-Transfer for Overdrafts

Elements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. 

Learn More about Extended Coverage

Yes!

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 Elements Online Banking and our Mobile App, you can:

• 检查你的余额，支付贷款，在账户间转账
• Deposit checks using your phone or computer camera
• View check images online
• Pay your bills online 24/7/365
• 用14个月的电子报表档案回顾你的账户历史
• Locate branches and ATMs near you
• See your credit score with any checking account or loan
• Pay friends and family conveniently with Zelle® plus other digital wallet options
• And more

Learn More about Online Banking

Yes! Elements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:

• Apple Pay
• Google Pay
• Samsung Pay
• PayPal
• Zelle®
• Amazon Reload
• This logoanywhere Visa is accepted online

Learn More about Digital Wallet Options

Like a Bank, Only Better!

Better Rates. Fewer Fees.

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

Trusted Advice. Fresh Approach.

我们以成为值得信赖的金融教育机构而自豪. 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.

自1930年总部设在印第安纳波利斯以来，我们一直名列前茅 3% of credit unions nationally¹. 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.

High Tech. Human Touch.

Our technology makes banking with Elements 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.

Get Started

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

1. Open an account online - Open an account online in as little as 10 minutes. Or call 1-800-621-2105 to get started. Have your government-issued ID (driver’s license, state ID, 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. That’s it! Your Basic Checking Account is now open.
3. Enroll in Online Banking - Easily check your balances, make loan payments, 通过智能手机支付账单和转账, tablet, laptop or desktop. Learn more about Online Banking.

Open an AccountEnroll in Online Banking