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1. Must meet membership and eligibility requirements to open account. 

2. A $3 fee will be charged each time overdraft protection transfers from a savings, or interest will accrue if transferred from a credit card. Must be 18 to apply for a credit card and qualification is required.  

3. Eligible members can redeem points through Extra Awards MyRewards^TM . For complete terms and conditions, or to redeem points, visit the MyRewards website or call 1-866-203-9369.

4. Average daily balance must be $250 or more to earn dividends. 

5. Up to four $2 Non-Family Trust ATM withdrawal fees, and up to four ATM fees incurred from other institutions, are refunded monthly to the share account debited. 

6. Refer to the IDProtect^TM policy for complete details of coverage and exclusions. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate. 

7. Must be 18 to apply for a loan. Members with Premier Choice checking may qualify for an interest rate discount. See your Lending Consultant or call 803-367-4100 for further details. 

8. Checkbooks are available to purchase. Members with True Choice checking over age 60, and members with Premier Choice Checking, receive one free box of checks annually. 

9. Fees may apply. 

10. Family Trust does not charge a fee; however, your wireless carrier’s data rates may apply. 

11. A $5 statement by mail fee applies to accounts without e-statements. E-statement enrollment is required. Fee is waived for members with Premier Choice Checking, members under age 18 or over age 60. 

12. If the average daily share balance falls below $10,000, a $10 fee will be assessed for the month.