ATM/Check/Credit Card Services
Features  ATM Card  Check Card (1)  Credit Card (1) 

Security Federal ATM usage (2) 
Free  Free  Cash Advance Fees Apply 

Other bank ATM usage (3) 
4 times/mo Free  4 times/mo Free  Cash Advance Fees Apply 

Can be used at retail stores (4) 
Limited acceptance  Yes  Yes 

Can be used for catalog/internet purchases (4) 
Unavailable  Yes  Yes 

Purchases are charged directly to 
Checking account  Checking account  Credit Limit 

Annual fee  
None  None  None 

Interest rate 
No interest charged  No interest charged  Prime +2% 

Monthly statement of transactions 
Yes  Yes  Yes 
(1) ATM, Check and Credit Cards are issued subject to approval. Applications are available at all our branches.

(2) A personal identification number (PIN) is required for ATM usage.

(3) Other-bank ATM usage is free up to four times per month except when using an ATM which imposes a surcharge.

(4) Our check cards and credit cards can be used everywhere VISA is accepted.

Financial Counseling is provided free of charge to anyone with credit problems.