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Overdraft Fees

More Than Just No Overdraft Fees

Let’s face it. One of the biggest hassles with any checking account is overdraft fees. Especially when it comes to checking accounts that call themselves ‘free.’ 

So, no overdraft fess - plus we're offering you free URCovered.

What does URCovered do for you? Simply put - we cover your purchases and ATM withdrawals even if the money's not there. With no fee.

Sounds too good to be true, right?
Well, we wouldn't be around as long as we've been if we didn't put people first. Get all the details below. And see why you should have your checking account with us.

So how does this work?

Without URCovered, your payment may be declined for not having sufficient funds in your account. Many banks also continue to charge non-sufficient funds (NSF or ‘overdraft’) fees that drive your account further into the negative.

If you’re a member in good standing with URCovered, you won’t be charged an overdraft fee and we’ll cover your charge – up to $500 for newer members and up to $1,000 for members who’ve been with us more than five years.

All accounts in good standing are automatically enrolled in URCovered after 90 days of opening your checking account. You do have to choose to enroll in URCovered for debit card and ATM transactions separately.

Again, there is no fee for this service. Business checking accounts are not covered by URCovered.

Your obligation is to bring your account balance current within 45 days or your membership will be reevaluated.

For more information, please click here.

Why are you the first to do this?

It’s simple. We’re a co-op. It means you own US Eagle versus shareholders we need to make money for. At 80,000+ members strong, our financial strength allows us to do even more for our member-owners. The stronger we become together, the more financial advantages we’re able to provide our members. That’s something we’ve never forgotten and one of the reasons US Eagle is New Mexico’s longest-standing, member-owned credit union. People mean more than profits at US Eagle.

So what’s better about your checking accounts?

Let’s start with the free stuff on our Perks® and Perks Plus® Checking Accounts.1

Free Anywhere Banking Tools On All Checking AccountsOnline Banking, Bill Pay, Zelle®2,3, Remote Deposit Capture3, Mobile App3 – complete 24/7 banking.

Free Mobile Phone Protection4Break your phone, lose your phone, use it as a floatation device – whatever. You’re covered up to $600 per claim up to twice a year when your cell service is paid through your US Eagle checking account.

Free 24/7 Roadside Assistance CoverageLast thing you need out in the middle of nowhere is car trouble, running out of gas or locking your keys in your car. This service covers up to $80 of service costs each time you use it and you can use it as many times as you want. Great if you’re worried about having your kids out on the road.

Free Perks® Savings AppHow would you like to save on the stuff you already buy? The Perks® Savings App is saving US Eagle members around $1,000 a year.5

Free ID Theft Aid4ID theft and especially credit card fraud has doubled since last year.6 You’ll get the help you need to put things right.

Free Health Savings Card4Healthcare can cost you – especially if you have a family. Get discounts on everything from prescriptions to eye exams and more with your Perks® Savings App.

There’s even more free stuff. But you get the idea.

We also have other checking accounts like Life Essentials® that covers the checking account basics and FlexChecking® for those who are trying to establish credit or may find it difficult to get a checking account elsewhere.

Do you have a free checking account?

We don’t believe in misleading people. All of our checking accounts have a monthly fee EXCEPT for Life Essentials® that does not have a monthly fee if you use free e-statements and Perks Plus® if you carry a monthly average balance of $5,000 or more – but you get a heck of a lot with that account including dividends. We’re transparent about the fees we do charge – please visit our fee schedule for all that we do charge fees for.

1Monthly fee for Perks Checking - $6. Monthly fee for Perks Plus Checking - $9; monthly fee waived if $5,000 monthly average balance maintained. 2Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 3Data fees may be incurred by your wireless provider. 4Coverage subject to checking product type, additional terms and conditions. Insurance products are not a deposit, not federally insured, not an obligation or guaranteed by US Eagle, its affiliates, or any government agency. 5Based on StrategyCorps/Bazing research. Individual results may vary. 6Based on IDX Fraud Services Research.

Must meet qualifications to open US Eagle checking account including credit union membership by opening a $5 share account and $25 minimum checking account deposit. See US Eagle for complete details.