Business Plus Checking
Purpose - The Business Plus Checking is a transaction account that allows members to earn a variable dividend rate based on a daily average balance set by TFCU. This product will allow the members to utilize all the fundamentals of the Spectrum Checking, Regular Share Savings, and Money Market Accounts.

• Minimum Balance - $0.00

• Maximum Balance - Unlimited

• Dividend Rate - Tiered Rate

• Dividends Accrual - Compound daily/ Paid monthly at the end of the month

• ePay/Fee - ePay is accessible through Home Banking on this account. Monthly fee is waved with any Plus Checking type

• Age - Members must be 18 yrs old to qualify for this account

• Debit Card - Authorized per members request (applicable fees may apply)

• ATM Access/Fees - Unlimited (applicable fees may apply). Fees may not apply at non CO-OP ATMs

• Branch Access - Unlimited (applicable fees may apply)

• Checks - Authorized per members request (applicable fees may apply)

• Monthly Service Fee - $5.95 if the members aggregated account balance (loans or deposits) is less than $5000.00

• Restrictions - This is not a Reg. D account

• Negative Closure - 45 days from first day of negativity

• Right to Offset - This account may be offset for loan and share negativity per this membership ID or any others attached by a primary or joining social security number

• Account Verification - All account holders screened through Chex Systems

Terms and Conditions:

1. TFCU reserves the right to cancel or eliminate this product at any time considering that a 30 day notice has been mailed to the member at the address on file.
A) In the event of product cancellation this product will reform to the most basic checking account available at the time of cancellation.
2. TFCU rates and fees are subject to change at anytime per the approval from the Board of Directors.
3. In the event of negativity this account may be closed and any membership rights may be revoked.
4. If the account is closed prior to the last day of the month dividends will be forfeited.
5. TFCU Management reserves the right to deny qualification of this account to a members posing as a risk to the Credit Union or do not meet the minimum requirements per Chex Systems, previous history with TFCU, CIP and State and Federal Regulatory standards.
6. Members must maintain a Prime Savings account in positive standards to qualify for this account.