XA Mobile

Eligibility

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You will need the following information to complete the application.

Government issued ID/Drivers License/State ID or Passport with current address

If your identification does not have your current address, we will need proof such as a Utility Bill, Pay Stub, or Proof of Address Change from the Post Office

Personal Information for all account owners: such as social security number, date of birth, phone number & physical mailing address

In order to fund your account, your current checking account and routing numbers or if you choose, your debit card information or credit card information

If you are under the age of 18, or intend to open an account for a minor, please restart the application under the MINOR option

Select your eligibility

I live, work, worship or attend school in one of the following counties:

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I belong to one of the following local Labor Unions:

I am related to an existing member:

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Required Products

Select at least one of the following products required for membership

Share Savings

We require a Share Savings with every account opened. As the foundation of your membership, you will earn dividends and enjoy all the benefits of starting a financial profile. Start tucking away a little or a lot. We’re here for whatever your savings goals are.

Open an account with a $10 minimum balance
Unlimited deposits and withdrawals
Dividends are compounded quarterly
Includes our share membership benefits of Online banking, mobile banking & much more

APY: 0.05% Min Deposit: $10.00

You may select one of the following products

Available Products

Savings Checking Money Market Certificate Account

Special Savings

Are you looking to save money for something in the future? Start saving for school, a new car, a down payment for a new home or anything you would like to save money for. While you keep putting money into your Special Savings Account, you will be earning interest at the same time. We can make it easy for you to help save. Let us help you with setting up an automatic fund transfer so that you don’t have to remember to move your money every month!

No minimum balance required
No monthly service fees
Unlimited deposits and withdrawals
Dividends are compounded quarterly

APY: 0.05%

Vacation Club Savings

Are you planning your next vacation? Let us help you by opening your Vacation Club Savings! You can start saving right away by setting up an automatic fund transfer or each time you get paid. We’ll help make it easy so that you don’t have to remember to move your money every month!

No minimum balance required
No monthly service fees
Unlimited deposits & withdrawals
Dividends are compounded quarterly

APY: 0.05%

Christmas Club Savings

Save in advance for the gift giving season and earn a higher interest rate. You can even set up automatic fund transfers so that you save effortlessly each month. These funds will earn a higher interest rate in exchange for not withdrawing funds until they automatically transfer to your share savings account November 1st. Just in time for the holiday shopping season!

No minimum balance required
No monthly service fees
Dividends are compounded quarterly
Higher interest rate
Early withdrawal penalties will apply if money is withdrawn out before October 31st.

APY: 0.25%

Heat & Frost Insulators Savings (Union Membership Required)

APY: 0.05%

Bricklayers Savings (Union Membership Required)

APY: 0.05%

Painters Savings (Union Membership Required)

APY: 0.05%

Plumbers & Steamfitters Savings (Union Membership Required)

APY: 0.05%

Sheet Metal Workers Savings (Union Membership Required)

APY: 0.05%

Centric Checking

From youth to adults, this spend account allows you the freedom to access your funds from just about anywhere, as well as the flexibility to use a debit card or checks instead of cash. If you prefer to be mobile, with Centric Checking you also have access to several Online Banking options, including Bill Pay and Zelle.

No minimum balance required
No monthly service fees
Overdraft and Courtesy Pay options available
Enroll in our UChoose Rewards debit card to earn perks with every purchase
Surcharge-free nationwide ATM network, thru Money Pass.
The best basic checking with rewards for all ages.

APY: 0.00%

Easy Living 55 + Checking

With an Easy Living 55+ Checking Account, you’ll get the freedom to access your funds from just about anywhere, as well as the flexibility to use a debit card or checks instead of cash. You will have easy access to all Online Banking options you may want or need, while enjoying several traditional services completely free.

No minimum balance required
No monthly services fees
Overdraft and Courtesy Pay options available
Surcharge-free nationwide ATM network, thru Money Pass
One free box of checks per year
Free temporary checks and Cashiers’ checks
APY: 0.00%

Money Market

The next building block of your saving future. A Money Market savings lets you earn a higher rate of return while maintaining access to your funds. Start saving right away and watch your balance grow. Let us help you get started with setting up an auto funds transfer in your account.

No minimum deposit at the time of account opening. Rates vary based on balance
Dividends are compounded monthly
Unlimited Deposits
Limit of 6 withdrawals per month.

Max APY: 2.00% Min Deposit: $2,500.00

6 Month Share Certificate

When opening a Certificate, you'll earn a higher rate than a regular savings account and it is considered the safest form of investment. Your money is set aside for the chosen length of term and early withdrawal penalties may apply.

No fees to set up or maintain.
Dividends applied quarterly.
Automatically renews at maturity.

APY: 3.30% Min Deposit: $500.00

10 Month Share Certificate

No fees to set up or maintain.
Dividends applied at maturity.
Automatically renews at maturity.

APY: 3.00% Min Deposit: $500.00

12 Month Share Certificate

No fees to set up or maintain.
Dividends applied quarterly.
Automatically renews at maturity.
Available for use with IRA Funds.

APY: 3.00% Min Deposit: $500.00

15 Month Share Certificate

No fees to set up or maintain.
Dividends applied semi-annually.
Automatically renews at maturity.

APY: 3.30% Min Deposit: $500.00

18 Month Share Certificate

No fees to set up or maintain.
Dividends applied semi-annually.
Automatically renews at maturity.

APY: 4.30% Min Deposit: $500.00

24 Month Share Certificate

No fees to set up or maintain.
Dividends applied semi-annually.
Automatically renews at maturity.
Available for use with IRA Funds.

APY: 2.25% Min Deposit: $500.00

36 Month Share Certificate

No fees to set up or maintain.
Dividends applied semi-annually.
Automatically renews at maturity.
Available for use with IRA Funds.

APY: 2.02% Min Deposit: $500.00

48 Month Share Certificate

No fees to set up or maintain.
Dividends applied semi-annually.
Automatically renews at maturity.
Available for use with IRA Funds.

APY: 2.27% Min Deposit: $500.00

60 Month Share Certificate

No fees to set up or maintain.
Dividends applied semi-annually.
Automatically renews at maturity.
Available for use with IRA Funds.

APY: 2.53% Min Deposit: $500.00

APY (Annual Percentage Yield)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	0.05%	0.05%	$0.00	N/A
.	0.70%	0.70%	$2,500.00	N/A
.	1.00%	1.00%	$10,000.00	N/A
.	1.24%	1.25%	$25,000.00	N/A
.	1.49%	1.50%	$50,000.00	N/A
.	1.98%	2.00%	$100,000.00	N/A

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'Doing Business As' Information

DBA Business Information

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Your Business Tax ID is used for identification purposes.

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

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As the custodian for under the Virginia Uniform Transfers to Minor Act, I make this application on the minors

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Tell Us About Yourself

Minor Information

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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

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In some cases, 100 cannot be divided evenly by the number of beneficiaries When this occurs, the amount of the first beneficiary will be increased to make the total equal 100%.

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