Enjoy all the essentials and some nice perks, too — that’s what makes this account the Premier Choice.

Rates

Key Features

  • Debit Card Rewards
  • Competitive Dividends
  • Consumer Loan Rate Discount5
  • No Minimum Balance Requirements

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  • Earn 1 point for every $1 you spend when you use your debit card as credit; redeem points for cash, gift cards, and travel1
  • Competitive dividends on minimum balances of $250 or more2
  • Four Non-Family Trust ATM transaction fees refunded monthly3
  • No minimum deposit to open4
  • Includes IDProtectTM at no cost5
  • Checking with premier perks, including debit card rewards and consumer loan interest rate discounts6
  • No fee for Official Checks
  • Free Visa® debit card7
  • Free digital banking8 with Mobile Deposit9, BillPay10, and eStatements11
  • Apple Pay® supporter
  • Network of 90+ ATM locations at no charge12
  • Overdraft protection available13
  • Low monthly maintenance fee of $10 waived with combined account balance of $10,00014
  • One free check order annually15

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1. Eligible members can redeem points through Extra Awards. For complete terms and conditions, visit https://1003.extraawards.com/cwa/rewards.do.

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

3. 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.  

4. Must meet Membership and eligibility requirements to open account. 

5. Refer to the IDProtectTM 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. 

6. 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. 

7. Replacement Visa Debit Card is $7. 

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

9. Only members with a checking account that are eligible for Mobile Deposit can use this service. 

10. Free Bill Pay only applies to basic services. Fees may apply for additional services. 

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, and for accounts that have a monthly direct deposit of $100 or more. 

12. To locate a surcharge free ATM, visit the familytrust.org ATM Locations page. Members using a Non-Family Trust ATM will incur a $2 fee for withdrawals and a $0.75 fee for balance inquiries. 

13. A 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.

14. If the aggregate balance falls below $10,000 at any point during the month, the $10 fee will be assessed that month. 

15. 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.

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