Select at least one of the following products required for membership
12 Month Term Share Certificate
With better dividends than traditional savings accounts, certificates have terms and a minimum opening deposit and balance requirements. Unlike savings accounts, you cannot make withdrawals from a certificate. (To fund in amounts larger than $35,000, please visit your nearest branch.)
How do you want us to handle situations when you may not have enough money in your checking account?
You have a few options to cover yourself. Choose “Yes” for any service you’d like to enroll in. If you opt into all of them, we’ll transfer from your savings first, transfer from your line of credit second, and use Courtesy Pay as a last resort. This is the default order as it saves you, the member, the most money. Want us to use your choices in a different order? Just give us a call after your account is opened.
Not interested in overdraft protection? Just select "I don't want any overdraft coverage." We won't pay any overdrafts on your behalf, and you can change this option at any time.*
Transfer from my savings
We’ll automatically pull money from your primary savings to cover the difference, as long as there are sufficient funds to do so. There is no fee for this service. If funds are short, Courtesy Pay may be used (unless opted out), with a $30 fee. You can change your choices at any time.
Prefer to pull from another account? Just contact us, and we will set up a different savings or checking account that you are the primary or joint owner of. (IRAs, Certificates, and HSAs are not eligible).*
Set up a Line of Credit
We can pull funds from your Line of Credit to cover a purchase. You will be responsible for paying that amount back, plus interest. It's important to know that a Line of Credit is like a loan: if you select this option, we'll obtain credit reports for this credit application and for any updates, increases, renewals, extensions, or collections of the credit you receive. We will rely on the information in the credit report, along with either this new account application or existing account information on file, to make our decision. If you request it, we will provide the name and address of any credit bureau from which we received a credit report on you.*
Cover my checks and automatic (ACH) payments and let my account go negative
With Courtesy Pay, we’ll allow the transaction to go through. This will make your account balance go negative, and there is a $30 fee for this service. Courtesy Pay is included with your checking account.*
Cover my debit card purchases and ATM withdrawals, and let my account go negative
You can choose to let Courtesy Pay cover your debit card purchases and ATM withdrawals, too. This will make your account balance go negative, and there is a $30 fee for this service.
This is an add-on service to the Courtesy Pay option above and is not available as a stand-alone service.*
How do you want us to handle situations when you may not have enough money in your checking account?
You have a few options to cover yourself. Choose “Yes” for any service you’d like to enroll in. If you opt into all of them, we’ll transfer from your savings first, transfer from your line of credit second, and use Courtesy Pay as a last resort. This is the default order as it saves you, the member, the most money. Want us to use your choices in a different order? Just give us a call after your account is opened.
Not interested in overdraft protection? Just select "I don't want any overdraft coverage." We won't pay any overdrafts on your behalf, and you can change this option at any time.*
Transfer from my savings
We’ll automatically pull money from your primary savings to cover the difference, as long as there are sufficient funds to do so. There is no fee for this service. If funds are short, Courtesy Pay may be used (unless opted out), with a $30 fee. You can change your choices at any time.
Prefer to pull from another account? Just contact us, and we will set up a different savings or checking account that you are the primary or joint owner of. (IRAs, Certificates, and HSAs are not eligible).*
Set up a Line of Credit
We can pull funds from your Line of Credit to cover a purchase. You will be responsible for paying that amount back, plus interest. It's important to know that a Line of Credit is like a loan: if you select this option, we'll obtain credit reports for this credit application and for any updates, increases, renewals, extensions, or collections of the credit you receive. We will rely on the information in the credit report, along with either this new account application or existing account information on file, to make our decision. If you request it, we will provide the name and address of any credit bureau from which we received a credit report on you.*
Cover my checks and automatic (ACH) payments and let my account go negative
With Courtesy Pay, we’ll allow the transaction to go through. This will make your account balance go negative, and there is a $30 fee for this service. Courtesy Pay is included with your checking account.*
Cover my debit card purchases and ATM withdrawals, and let my account go negative
You can choose to let Courtesy Pay cover your debit card purchases and ATM withdrawals, too. This will make your account balance go negative, and there is a $30 fee for this service.
This is an add-on service to the Courtesy Pay option above and is not available as a stand-alone service.*
Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.
This modal is for testing the Apple Pay workflow only. It will not be displayed to the applicants. Press the Success button to simulate a successful Apple Pay transaction. Press the Fail button to simulate an unsuccessful Apple Pay transaction.
Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.
We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.
What is the main reason you are opening this account?*
Please specify the main reason you are opening this account:*
What is the expected transaction activity on this account?*
Approximately how much cash do you expect to deposit each month?*
Approximately how much cash do you expect to withdraw each month?*
What dollar amount do you anticipate sending via wire in a typical month?*
What dollar amount do you anticipate receiving via wire in a typical month?*
What countries do you expect to send and/or receive wires to/from?*
What dollar amount do you anticipate sending via electronic transfer in a typical month?*
What dollar amount do you anticipate receiving via electronic transfers in a typical month?*
What countries do you expect to send and/or receive electronic transfers to/from?*
Do you, or any immediate family member or close associate, hold a prominent public position in a government, political party, or international association (aka a PEP)?*
If yes, to clarify, yourself or someone else?*
In what country are/were you a PEP?*
What is the nature of your relation to him/her?*
What is the nature of your association with him/her?*
Please provide the first and last name of the politically exposed person as well as the country the person is/was a PEP in:*
Is the United States your country of origin?*
What is your country of origin (home country or country of citizenship)?*
Do you have a Green Card, or are you a foreign resident of the U.S. (legal permanent resident)?*
System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.
What is the main reason you are opening this account?*
Please specify the main reason you are opening this account:*
What is the expected transaction activity on this account?*
Approximately how much cash do you expect to deposit each month?*
Approximately how much cash do you expect to withdraw each month?*
What dollar amount do you anticipate sending via wire in a typical month?*
What dollar amount do you anticipate receiving via wire in a typical month?*
What countries do you expect to send and/or receive wires to/from?*
What dollar amount do you anticipate sending via electronic transfer in a typical month?*
What dollar amount do you anticipate receiving via electronic transfers in a typical month?*
What countries do you expect to send and/or receive electronic transfers to/from?*
Do you, or any immediate family member or close associate, hold a prominent public position in a government, political party, or international association (aka a PEP)?*
If yes, to clarify, yourself or someone else?*
In what country are/were you a PEP?*
What is the nature of your relation to him/her?*
What is the nature of your association with him/her?*
Please provide the first and last name of the politically exposed person as well as the country the person is/was a PEP in:*
Is the United States your country of origin?*
What is your country of origin (home country or country of citizenship)?*
Do you have a Green Card, or are you a foreign resident of the U.S. (legal permanent resident)?*
What is the main reason you are opening this account?*
Please specify the main reason you are opening this account:*
What is the expected transaction activity on this account?*
Approximately how much cash do you expect to deposit each month?*
Approximately how much cash do you expect to withdraw each month?*
What dollar amount do you anticipate sending via wire in a typical month?*
What dollar amount do you anticipate receiving via wire in a typical month?*
What countries do you expect to send and/or receive wires to/from?*
What dollar amount do you anticipate sending via electronic transfer in a typical month?*
What dollar amount do you anticipate receiving via electronic transfers in a typical month?*
What countries do you expect to send and/or receive electronic transfers to/from?*
Do you, or any immediate family member or close associate, hold a prominent public position in a government, political party, or international association (aka a PEP)?*
If yes, to clarify, yourself or someone else?*
In what country are/were you a PEP?*
What is the nature of your relation to him/her?*
What is the nature of your association with him/her?*
Please provide the first and last name of the politically exposed person as well as the country the person is/was a PEP in:*
Is the United States your country of origin?*
What is your country of origin (home country or country of citizenship)?*
Do you have a Green Card, or are you a foreign resident of the U.S. (legal permanent resident)?*
Press this button if you want to assign an equal value to all beneficiaries.
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%.
Your application is not complete until you read the disclosure below and click the "I Agree" button in order to submit your application.
You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.
Email Agreements & Disclosures
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The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.
We have not received a payment confirmation. Payment is required to complete your account activation. If you close the payment screen, a representative will reach out to you to complete the transaction.
We have encountered an error attempting to initialize payment processing. Your application has been successfully submitted. A representative will reach out to you to complete the funding of your account.
The total amount to be deposited for a product type cannot exceed the limit defined in the following table. Please adjust the deposit amount for your requested products so they do not exceed the limit.