Loyalty Checking

*Registration/activation required; available via web or mobile only.

**Registration/activation required

1. The Annual Percentage Yield (APY) is effective as of 01/01/2024, is variable and may change after the account is opened. The dividend period, dividend compounding and crediting are monthly. Rates, terms and conditions are subject to change without notice.
2. Fee waived with a qualifying direct deposit and at least 20 debit card or Platinum/Traditional credit card transactions posted the previous month. One Loyalty Checking account per member permitted.
3. Must be 18 to apply for a loan. Members with a Loyalty Checking may qualify for the 0.25% APR discount. See your Lending Consultant or call 803-367-4100 for further details.
4. To locate a surcharge free ATM, visit the familytrust.com Branches & ATMs page. When using a Non-Family Trust ATM, you may incur a fee by the ATM operator/network, and you may incur a balance inquiry fee even if you do not complete a transaction. With Loyalty Checking, all ATM withdrawal and inquiry fees are refunded monthly, whether incurred from Family Trust or other institutions, as determined applicable by the Credit Union.
5. Must have a direct deposit(s) into a personal Family Trust account. Deposits that do not meet eligibility include deposits or transfers made at a branch, through Digital Banking, by a debit, credit or prepaid card, or through a payment App or service.
6. A $5 statement by mail fee applies to accounts without e-statements. E-statement enrollment is required. Fee is waived for members with Loyalty Checking, members under age 18 or over age 60.
7. Benefits are available to personal checking account owner(s) and their joint account owners and are subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. This applies to Loyalty Checking ID Protect.
8. Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance certificate. Guide to Benefit and insurance certificate can be found online at www.familytrust.org/LoyaltyRewards. 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.
9. Credit Score is a VantageScore 3.0 based on single bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.
10. Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.
11. Family Trust does not charge for this service; however, your wireless carrier’s data rates may apply.
12. Only members with a checking account that are eligible for Mobile Deposit can use this service.
13. Free Bill Pay only applies to basic services. Fees may apply for additional services.
14. Apple Pay is a registered trademark of Apple Inc.
15. Google Pay is a trademark of Google LLC.
16. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.
17. Interest will accrue if transferred from a credit card. Must be 18 to apply for a credit card and qualification is required.