1. Direct deposit must be full amount of your paycheck or Social Security check. If direct deposit is discontinued, your account will convert to Charter Checking. There is a one-time fee of $10 for conversion.

2. e-Statements are required and a valid e-mail address for statement notification must be maintained. If valid e-mail is not maintained, your account will convert to Direct Deposit checking. There is a one-time fee of $10 for conversion.

3. Ten Visa Debit Card transactions are required each month. Account will incur a $5 fee for less than ten transactions in a calendar month.

Dividend Information and Compounding
The dividend rate and APY are variable and subject to change without notice. Dividends are calculated by the daily balance method and are credited to your account at the end of each calendar month. Dividends begin accruing on the business day deposits are made into your account.

Dividend Calculation
e-Checking is a tiered dividend account. The first $1,000 in your account currently earns 5% APY* and 2.5% APY* on the balance above $1,000. There is no minimum balance required in order to earn dividends.
Example #1 – If your account has a $500 daily balance:
$500 earns 5%* APY*
Example #2 – If your account has a $2,500 daily balance:
$1,000 earns 5% APY*
$1,500 earns 2.5% APY*

*APY=Annual Percentage Rate and is variable. Rates effective 4/1/2008 and subject to change without notice.

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Mid American Credit Union - 8404 West Kellogg Drive, Wichita, Kansas 67209 - (316) 722-3921 * Fax (316) 722-0920 - macu@midamerican.coop

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