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We offer different types of checking accounts designed with your lifestyle in mind. We can help you choose the account that will best fit your needs.
Hometown Cash Back Checking
Earn cash back representing up to 5.00%APY of your average daily balance.* Qualifications apply, and if you don’t qualify one month, don’t worry. You can get back to earning the highest rate and ATM fee refunds the very next cycle.
- Manage your money YOUR way. In person, online, Debit/Credit Cards, ATMs… we have it all!
- No minimum balance.
- No monthly or annual service charges.
- Checks available.
- Debit card.
- Refund for ATM charges.
- Easy account accessibility with eStatements, ATMs, 24-hour phone banking, and online banking.
- Automatically pay bills such as mortgage, insurance, loan, and utility payments.
- Avoid NSF fees by connecting to another account or utilize Overdraft Privilege during emergencies.
Worry-Free™ Hometown Checking
The account provides a simple, straightforward checking experience designed to make your life easier.**
Included in this account:
- Debit Card.
- Bill Pay.
- Online Banking/eStatements/Mobile App.
- Mobile Deposit.
- Literacy Seminars.
- Appointments with a certified credit union financial counselor.
FreshStart™ Checking
Forget the past and move forward. Our FreshStart Checking Account is designed for those members who deserve a second chance and cannot open a checking account elsewhere. Fees and other charges may apply.***
- No minimum balance.
- ATM/debit card, online banking, E-statements and bill pay.
- May improve your Qualifile Score, which is like a Credit Score, but for deposit accounts.
- Design a payment plan for unpaid closures or other outstanding debt that is potentially harming your credit.
- Enjoy convenient access to cash, including direct deposit and ATM access.
Make Cents™
Make Cents™, your way to make saving with Shoreline effortless. It is an available add on for any checking account when you opt for a debit card! Make Cents™ rounds up each of your debit card purchases to the next whole dollar amount. At the end of the day, the “cents” from all your purchases is directly transferred from your checking account to your savings account of your choice. To sign up for Make Cents™ today, Log into Online Banking and follow the link on the left hand side under Self Service Tools.
- The more you shop with your debit card, the more you save.
- Everything is automatic — so saving is effortless.
| CashBack | WorryFree | FreshStart | |
|---|---|---|---|
| Key Features | High Yield on Balance, ATM Fee Refunds | No NSF Fees for overdrawing Account | Second Chance for those who need it |
| Overdraft Privilege (authorize overdraft situation) | Upon Request | No | No |
| Monthly Fee | $0 | $5 | $9.95 |
| Unlimited Check Writing | Yes | No Checks, Debit Card Only | No Checks, Debit Card Only |
| Earns Dividends | Yes | No | No |
| Shoreline or Co-Op ATM use | Unlimited |
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| Outgoing Transfers | Available within Online Banking to select Financial Institutions |
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| Minimum Balance | No Minimum Balance |
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| Overdraft Transfer (funds from other account, credit card) | Upon Request, no fee when used. |
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| Freebies | Debit Card, Bill Pay, Make Cents, Online Banking, Remote Deposit, eStatements, SavvyMoney, |
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Learn more about Debit Cards and Bill Pay.
*Cash Back Percentage: 5.00%APY cash back on balances between $0 and $5,000 and 0.00%APY cash back on balances exceeding $5,000 each cycle the minimum requirements are met, as listed under the “Here is all you need to do” heading above. If you use an ATM not within Shoreline’s network (Foreign ATM) and are charged a fee for usage, we will refund up to $5 per month. Any earned cash back or ATM fee refund will be credited to your Hometown Cashback Checking account monthly. If you do not meet the requirements per cycle, your account will still function as a Hometown Cashback Checking account earning 0.00%APY and it will not receive ATM refunds for that time period. Available to personal accounts only. Fees could reduce the earnings on the account. Membership required. Rates and terms are subject to change at any time without notice. Cash Back Accrual: Shoreline Hometown Credit Union will use the average daily balance when calculating cash back earned for the statement cycle. All requirements will be reset at the beginning of each month. Closing of account: If you close your account before the end of the month, no cash back will be earned and you will lose all cash back accrued to that point.
**Membership eligibility required. Account approval, conditions, qualifications and other requirements apply. Terms and conditions subject to change at any time without notice. A $5 maintenance fee will be charged to the account each month. All non-sufficient funds (NSF) transactions will be declined if possible. No NSF or overdraft fees will be charged. An NSF transaction occurs when a check, electronic transaction, or other item is presented for payment when the available balance in the account is insufficient to cover the amount of the check, electronic transaction, or other item.
***FreshStart Checking. If any of the conditions of this product are not met during one calendar month, you will have until the close of business of the last day in the subsequent month to re-qualify. Failure to re-qualify or notify the Credit Union may result in account closure. Account is primarily for those with a derogatory credit history. If your ChexSystems reports an unpaid checking or savings account closure, you will be required to set up a repayment plan at the time of account opening. The plan will include paying off the closure in one year or less. The payments you make every month will go into a separate savings account, to be paid by Shoreline Credit Union to the financial institution reporting a closure at the end of the agreement. If the terms of the payment plan are not maintained, the account will be closed. If there are no unpaid closures, no payment or savings plan is required. This account does not pay dividends. The account does not include check writing privileges. Overdraft Advance is not available with this account. If the account becomes overdrawn, it may be subject to closure by the Credit Union. A fee of $9.95 is assessed at the last day of each month. Although there is no minimum balance, a deposit sufficient to cover the first month’s fee is required at account opening. Available to personal accounts only. Membership required. Rates and terms are subject to change without notice.
Membership Eligibly Required. Federally insured by NCUA.