Everyone has different needs and preferences when it comes to personal finances. That’s why Fiscal offers the following checking accounts, each with features to fit a particular financial lifestyle. Take a look at the checking options available below. Then, click on the “Compare Checking Accounts” tab to view a side-by-side comparison of which checking account will suit you best.
Fiscal's Protection Plus checking account gives you everything you need to safeguard your identity, protect your credit, and help you recover should you become a victim of identity theft. This account has a low monthly fee of $3.95 and includes all of the following features and benefits:
To open a Protection Plus checking account at Fiscal, complete a Fiscal Signature Card and fax it to (818) 265-1840. We will contact within one business day to confirm your request. You may also call us at (800) 311-3328 or stop by one of our branches. If you are not yet a member, take a moment to fill out Fiscal's Membership Application.
*With registration and activation.
+IDProtect® service is a personal identity theft protection service available to account owner(s) and their family. Family includes: spouse, persons qualifying as domestic partner, children under 25 years of age, and parent(s) who are residents of the same household. Service is not available to a "signer" or "beneficiary" of the account who is not an account owner. Service is not available to businesses and their employees, clubs and/or churches and their members, schools and their employees/students.
Fiscal’s eChecking account has what you need for easy, everyday banking, including a Visa® Check Card with ATM access+, as well as free access to Fiscal Connect Online, Mobile and Tablet Banking. An eChecking account has a low monthly fee of $3.95; however, you may waive that fee when you sign up for FREE E-Statements AND one of the following: 1 Fiscal Online Bill Payment per month, OR 8 signature-based transactions per month with your Fiscal Visa® Check Card, OR a monthly direct deposit of $500 or more. eChecking provides the following additional features and benefits:
To open an eChecking account at Fiscal, complete a Fiscal Signature Card and fax it to (818) 265-1840. We will contact you within one business day to confirm your request. You may also call us at (800) 311-3328 or stop by one of our branches. If you are not yet a member, take a moment to fill out Fiscal's Membership Application.
Benefits Plus® is an enhanced Fiscal checking account that saves you money with discounts on travel, entertainment, groceries, dining out, and much more! With over 600 business partners, Benefits Plus can help you live better for less every day! Let’s take a look at all of the features of a Benefits Plus Checking account at Fiscal:
PLUS, the following added benefits:
You receive all of these savings opportunities for a low monthly fee of $6. Not sure if this program is right for you? Fiscal gives you the first 90 days for FREE! Benefits Plus Checking will help you save a lot of money. To get more information about these great features, visit Benefits Plus. To review Fiscal's Benefits Plus Brochure, click here.
To open a Benefits Plus Checking account at Fiscal, complete a Fiscal Signature Card and fax it to (818) 265-1840. We will contact you within one business day to confirm your request. You may also call us at (800) 311-3328 or stop by one of our branches. If you are not yet a member,take a moment to fill out Fiscal's Membership Application.
Once you open a Benefits Plus Checking account, you'll be able to power up personal savings using the NEW Personal Mobile Concierge app on your mobile device. Download the FREE app today at either the App Store or Google Play and start saving!
With this Youth Checking account, you will enjoy 24/7 online and mobile access, no monthly fee (as long as you sign up for and maintain Fiscal's E-Statements), a Visa® Check Card and free Fiscal image checks. Additionally, you will be able to take advantage of discounts on movie tickets, movie rentals, and theme parks, as well as cash back rewards when you use your Visa® Check Card at 350 of the nation’s top online retailers. Plus, you will be able to utilize the Student Grant Locator Service at your convenience.
Using your iPhone, Android device, iPad or tablet, you can access these valuable benefits and services quickly and conveniently, such as using the "Concierge" button and the "Local Business Search," which finds participating restaurants and retailers based on your "Current Location. Plus, when you use the “bookmark” feature on your device, you can create a home icon and enjoy accessing benefits wherever you are.
To get more information about these great features, visit Benefits Plus. To review Fiscal's Benefits Plus Brochure, click here. To power up your personal savings today, download the FREE Personal Mobile Concierge App today on your mobile device.
To open a Benefits Plus Youth Checking account at Fiscal, complete a Fiscal Signature Card, with your legal guardian filling out the joint owner section of the Signature Card as well. Additionally, you will need to have your legal guardian fill out the Minor Account Agreement. All forms can be faxed to (818) 265-1840. We will contact you within one business day to confirm your request. You may also call us at (800) 311-3328 or stop by one of our branches. If you are not yet a member, take a moment to fill out Fiscal's Membership Application as well.
|Protection Plus Checking||Benefits Plus® Checking||Benefits Plus® Youth Checking|
|Minimum Balance Required to Open||$0||$0||$0||$0||$0|
|Monthly Service Charge||Free with minimum aggregate balance*||
FREE with E-Statements AND one of the following: 1 Fiscal Online Bill Payment per month OR 8 signature-based transactions per month with a Fiscal Visa Check Card OR a monthly direct deposit of $500 or more
|$3.95/$1.95 for 55+ Advantage Members+||
$6**/$3 for 55+ Advantage Members+
FREE for the first 90 days
FREE with E-Statements
|ATM Access||FREE ATM Access within the CO-OP Network; 12 out-of-network ATM service charge waivers per year^||FREE ATM Access within the CO-OP Network; 12 out-of-network ATM service charge waivers per year^||FREE ATM Access within the CO-OP Network||FREE ATM Access within the CO-OP Network||FREE ATM Access within the CO-OP Network|
|Courtesy Pay or NSF Fee Waivers||Four per year^^||No||No||No||No|
|Rate Bump-Up Option^||0.25% rate bump-up option on non-promotional term share certificates||N/A||N/A||N/A||N/A|
|Check Orders||FREE Fiscal image checks||N/A||Price Varies||FREE Fiscal image checks||FREE Fiscal image checks|
|Minimum Balance to Earn Dividends||No minimum required||N/A||N/A||No minimum required||No minimum required|
|FREE Cashier's Checks||Yes||No||No||Yes||Yes|
|Waiver of $2 Low Savings Balance Fee||Yes||No||No||Yes||Yes|
|Fiscal Visa® Gift Card||Fee Waived||Standard Pricing||Standard Pricing||Fee Waived||Fee Waived|
You must be a member in good standing to take advantage of Fiscal’s products and services. Members with derogatory records in ChexSystems may be denied a checking account and/or electronic access card.
*A monthly service charge of $15 will apply if $15,000 aggregate minimum average daily savings and loan balance (excluding 1st Trust Deed Loans) is not maintained.
**Monthly Benefits Plus Checking Membership Dues.
^^Waived for Premium Checking for up to four times a year.
+ 55+ Advantage Program will take affect on October 8, 2014.
Courtesy Pay adds a measure of protection to your Fiscal checking account. With Courtesy Pay*, if you make a mistake on your account or have unplanned expenses, Fiscal Credit Union may cover your shortfall up to $750 instead of returning your item(s) unpaid. Courtesy Pay may also save you the inconvenience of having an item returned unpaid, as well as additional merchant fees.
You can access your Courtesy Pay for checks, ACH transactions, and preauthorized automatic transfers. Plus, you can now add access to Courtesy Pay for ATM and everyday Visa® Check Card transactions upon request. To do so, simply call us at (800) 311-3328, complete this form and mail or fax it to the Credit Union, or stop by one of our branches.
We think you're going to appreciate having Courtesy Pay because:
If you do not want this service on your account, please fill out this form and return it to us.
Click here to review the eligibility requirements for maintaining Courtesy Pay in the Courtesy Pay Disclosure.
Click here to review some of our members' most Frequently Asked Questions about Courtesy Pay.
*Courtesy Pay is not a loan. It is a service provided by Fiscal to help you manage your account; we'll generally pay your overdraft items up to $750. There is no fee to enroll in Courtesy Pay; however, when Courtesy Pay is used, there will be a fee of $29 per covered item. The full amount of the overdraft balance (plus any related fees) will be due within 30 days from the date of the occurrence. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have too many overdrafts.
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