• Minimum Age to Open: 17 years old
• Accounts Associated With: Savings
• Limits: $710.00 (24 hr. period)
• Users per card: 1 card per owner/joint owner
• Fees: 1% of purchase price on international sales
• Fraud Detection: yes

• Minimum Age to Open: 18 years old
• Accounts Associated With: Savings & Checking
• Limit: $1,000 (24 hr. period) *Limits can be raised temporaily by a member service representative for purchases over the daily limit.
• Users per card: 1 card per owner/join owner
• Fees: 1% of purchase price on international sales. Overdraft fees apply if member has Opt-in
• Fraud Detection: Yes *See teen saver checking account for options for a 13-17 year old.

The gift card is a perfect gift instead of just giving cash for any occasion. It works basically the same as any other gift card. *Member purchases the card one time

• One-time Activation Fee: $3.00
• Inactivity (12 months) Fee: $5.00 per month
• Foreign Currency Exchange Fee: 1%
• Replacement Card: $10.00
• Maximum Loads: 1 (initial load)
• Minimum Load Amount: $10.00
• Maximum Load Amount: $500.00
• Card Expiration: 7 years
• Card Limitations:
  *VISA purchases only
  *Signature purchases only
  *No ATM or Cash Advances
  *No Gas Pay-At-Pump, Hotel, or Car Rental
  *Restaurant Authorizations increase transaction amount by 20%

This is a great option for those who don’t have a checking account, aren’t of age, don’t want to use their normal account online, or just prefer a reloadable card.

• One-time Activation Fee: $6.00
• Inactivity (11 months) Fee: $5.00 per month
• Foreign Currency Exchange Fee: 2%
• Denied Transaction Fee: $0.50
• Domestic ATM Fee: $1.50
• International ATM Fee: $2.00
• Replacement Card: $6.00
• Maximum Loads: Unlimited
• Reload Fee: $2.00
• Minimum Load Amount: $100
• Maximum Load Amount: $5,000
• Card Expiration: 2 years
• Card Limitations:
  *VISA purchases only
  *Signature, POS, and PIN
  *No ATM or Cash Advances (Co-Op no fee)
  *Hotel and Car Rental
  *Restaurant Authorizations increase transaction amount by 20%