Accounts Details Share Draft (Checking) Accounts Overdraft Protection Share Certificates of Deposit (Share CDs) IRA Accounts Special Accounts Savings Protection Direct Deposit and Payroll Deduction Account Debits VISA Card ATM and Check (debit) Cards Blocked Countries List for ATM, Check Card and VISA Card Transactions Audio Teller and Internet Teller (AT and IT) Additional Services Fees Share Draft (Checking) Accounts A Share Draft Account is simply what most credit unions call their checking accounts, but our accounts have many important advantages. Share Draft (Checking) Accounts earn high dividends that are earned daily and paid monthly. Click here to go to an easy on-line application. Share Draft Accounts have no monthly service charge if:  You maintain a minimum balance of $300 during the month You are over 62 years of age You have a Share Certificate of Deposit under the same member number Return to top Share Draft (Checking) Accounts Overdraft Privilege Service Overdraft Privilege is a service from Frontier Community Credit Union, fees may apply. Please ask a Credit Union representative for costs and complete information regarding Overdraft Privilege Service. Action Required:  Overdraft Privilege Effective August 15, 2010, we are required by regulation to obtain your approval before we consider payment of your ATM withdrawals and debit card purchases that may create an overdraft in your checking account. This service is called Overdraft Privilege. The majority of our members prefer having this service to avoid the embarrassment of having their debit card purchase denied at the grocery store checkout line, at the pharmacy when paying for prescriptions, or at a restaurant when paying the bill. There is no charge for this service unless you use it. If you would like to utilize this service, you must complete the opt-in form, click here to download as a pdf. Mail the form to Frontier Community Credit Union, P.O. Box 3032, Fort Leavenworth, Kansas 66027. You can also call us at 913.651.6575 or 800.633.4559 to provide your approval. The form can be faxed to 913.946.1406. Once we have received your consent, we will mail you a confirmation. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. Return to top Share Certificates of Deposit A minimum of $500 will allow you to invest your money in one of our high yield Share Certificates of Deposit. Terms range from 90 days to three years and are set up on an automatic renewal basis .Dividends are paid quarterly; early withdrawal will result in interest penalties. Return to top IRA Accounts Frontier Community Credit Union offers a full line of Individual Retirement Accounts, including Roth IRAs and Education Savings Accounts, all offering attractive dividend rates. Return to top Special Savings Accounts Christmas Club Account Special Savings Accounts Organizational and Business Accounts Return to top Savings Protection Member accounts are federally insured by the National Credit Union Share Insurance Fund. Return to top Direct Deposit and Payroll Deduction Direct deposit of checks is available for our members who receive a Social Security or other government check. Payroll deduction is a similar program that allows for all or part of your pay to be deposited into the account of your choice. Both services are safe, and convenient methods to have access to your money, and to continue a systematic savings program. Return to top Account Debits Frontier Community Credit Union can also help you save valuable time by processing automatic debits that you have set up on your account in order to pay a variety of monthly bills. A partial list follows: Mortgage Loan payments and Insurance premiums Money Market, and Investment premiums Utilities (KPL, SW Bell, Water) Return to top VISA Card Frontier Community Credit Union offers a low-rate, no annual fee VISA card. Stop by to take advantage of this great offer. VISA Account Holder Agreement To obtain a copy of your VISA Agreement you may call the Credit Union at 800.633.4559 or at 913.651.6575 and ask to speak to a Loan Officer. Upon request we will mail you a copy of your VISA Agreement and will be happy to answer any questions you may have regarding the terms and conditions of your VISA account. Return to top ATM Card and Check (debit) Card A Frontier CCU ATM card can be immediately available for use on new and existing member accounts. Never a surcharge when you use our machines.   Our cards are accepted at ATMs using the AFFN, STAR, and PLUS networks. Avoid the inconveniences that can occur with out-of-town check use; apply for a Frontier CCU ATM card today Tired of the hassle of carrying a checkbook? Why not apply for an Frontier CCU Check (debit) Card and get away from paper altogether?  Your Check Card can be used at many locations including a wide variety of vendors to include:  gas stations and convenience marts, department stores, grocery stores, and restaurants. You can also request cash back when using your Check Card and avoid those costly ATM fees levied by many other financial institutions. Return to top Audio Teller (AT) and Internet Teller (IT) Members now have account information at their fingertips using this convenient telephone information line.  The Audio Teller is a 24 hour audio response service that performs inquiries, account transfers, and withdrawals.There is no charge to the member for this service. Our secure Internet Teller (IT) service allows you to conduct financial business using the power of the Internet.  View and manage your accounts antime from any place in the world, 24/7/365. All Internet traffic is encrypted with Secure Sockets Layer (SSL), ensuring that transmissions between client and server are complete, unaltered, and safe from eavesdropping. *As an added precaution (and recommended if you share a computer or access the IT from a public computer), simply close your Internet Browser when you have satisfied your need for Internet access. Return to top Additional Services Money Orders VISA Gift Cards VISA Travel Money Western Union and Wire Transfers Notary and FAX services Safe Deposit Boxes (Eisenhower Office, only) Night Depository Return to top Fees The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account. Check printing (fee depends on style of check ordered) Temporary checks (10) $2.00 Check withdrawals (payable to third parties) $2.00 each Money order (for members age 62 or older, the fee is our cost) $2.00 each Deposited checks, unpaid $25.00 Two-party checks, unpaid $5.00 Overdrafts $25.00 Overdraft protection $5.00 History printout $2.00 Account research (per hour) $25.00 Copy of statement $3.00 VISA Travel Money $7.95 VISA Gift Card $3.50 Recurring debit transaction $15.00 Check look-up $3.00 Stop payments $20.00 Stop payments, ACH $20.00 Wire $20.00 International wire $35.00 Wire notification / research $5.00 Western Union $25.00 Account closed (90 days) $5.00 Account reopen after two closings $5.00 Photocopy $0.25 Fax $1.00 minimum Copy of checks $3.00 Collection item Incoming $10.00 Outgoing $10.00 Automatic payment sent to another financial institution $3.00 Legal prcess (garnishment / levies) $20.00 ATM / Check Card replacement $10.00 Overnight delivery $40.00 Overnight delivery (Saturday) $50.00 Check cashing $5.00 Christmas Club early withdrawal $5.00 Return to top