Average User Rating:4 star rating based on 19 reviews.
Consumers Credit Union (IL)
Consumers Credit Union (IL) Locations|
2750 Washington St Waukegan, IL 60079 847-623-3636 www.myconsumers.org  |
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Consumers Credit Union (IL) is headquartered in WAUKEGAN and is the 11st largest credit union in the state of Illinois. It is also the 364th largest credit union in the nation. It was established in 1930 and as of December of 2012, it had grown to 165 employees and 56,957 members. Consumers Credit Union (IL) has a 4-star health rating.
Related Posts
Bad News About Consumers Credit Union July Rates (Forum) - 3/20/2012
I just got off the phone with Jessica B from Consumers Credit Union, and unfortunately got some bad news about the rate that is guaranteed through June but will change in July. They got word today that the rates and tiers will change to the following: 3
May Join CCU - Best Referral Offer? (Forum) - 3/14/2012
Hi Who can offer the best referral offer? Thanks
What's It Going To Be After ???? (Forum) - 3/13/2012
4,09% Rate ENDS June 30 2012
Consumers Credit Union Offers E-Delivery Of All Notices (Forum) - 11/22/2011
Consumers Credit Union offers e-delivery of all notices You can now sign up to get e-delivery of ALL bank notices in addition to e-statements. The choices are via email, text message, or both. Note the CCU e-delivery disclosure does not address th
2011
- 11/19 - 4.09% RCA - Easy To Join - Nationwide- $56.00 BONUS With Referral (Forum)
- 11/14 - 4.09% RCA - Easy To Join - Nationwide- $56.00 BONUS With Referral (Forum)
- 10/29 - Consumers Credit Union $50/$50 Referral Promotion (Forum)
- 10/27 - Consumers CU 4.09% Guaranteed Thru 6/30/2012 (Forum)
- 10/27 - Consumers Credit Union's Reward Checking Guarantees 4.09% Through June 30, 2012
- 10/26 - I Can Refer You To Join Consumers Credit Union! - 4.09% RCA + $60.00 BONUS (Forum)
- 9/1 - Consumers Credit Union Rate Drop For Over $10K Effective 10/1/2011 (Forum)
- 8/26 - Rewards Checking Refer A Friend (Forum)
- 7/27 - Rates and Early Withdrawal Penalties of the Best Long-Term CDs
- 6/7 - Comparing CDs Based on Rates and Early Withdrawal Penalties
- 6/3 - Top CD Rates & Other Deals at Consumers Credit Union - Easy Membership
- 2/1 - Rewards Problem (Forum)
2010
- 12/19 - Competitive Reward Checking & CD Rates at Consumers Credit Union - Easy Membership
- 9/20 - Consumers Credit Union's Reward Checking Balance Cap To Fall To $10K (Forum)
- 6/7 - Card Useage Change for Consumers CU (Forum)
- 3/31 - Consumers Credit Union Cutting Reward Checking Rate in April (Forum)
2009
- 8/4 - 2.25% 7-Month Jumbo CD & Other Competitive CDs at Consumers Credit Union - Easy Membership
- 4/13 - 3.00% 22-Month CD & Other Competitive CD Rates at Consumers Credit Union in IL - Easy Membership
2008
2007
- 8/14 - High-Yield Reward Checking Account at an Illinois CU - Easy Membership (Consumers)
- 6/15 - 5.55% 20-Month CD at an Illinois CU - Open To All (Consumers)
See Rates for: Checking | Savings | Money Market | CD | IRA
Consumers Credit Union (IL) Checking Account Rates
Consumers Credit Union (IL) Savings Account Rates
Consumers Credit Union (IL) Money Market Rates
Consumers Credit Union (IL) CD Rates
| Apy | Min | Max | Product | |
| 1.20% | $100k | - | 5 Year Jumbo CD | |
| 1.05% | $100k | - | 59 Month Jumbo CD | |
| 0.95% | $250 | - | 5 Year CD | |
| 0.95% | $100k | - | 4 Year Jumbo CD | |
| 0.85% | $100k | - | 45 Month Jumbo CD | |
| 0.80% | $250 | - | 59 Month CD | |
| 0.70% | $250 | - | 4 Year CD | |
| 0.70% | $100k | - | 3 Year Jumbo CD | |
| 0.60% | $250 | - | 45 Month CD | |
| 0.60% | $100k | - | 30 Month Jumbo CD | |
| 0.55% | $100k | - | 2 Year Jumbo CD | |
| 0.50% | $100k | - | 22 Month Jumbo CD | |
| 0.45% | $250 | - | 3 Year CD | |
| 0.45% | $100k | - | 20 Month Jumbo CD | |
| 0.40% | $100k | - | 1 Year Jumbo CD | |
| 0.40% | $100k | - | 15 Month Jumbo CD | |
| 0.40% | $100k | - | 16 Month Jumbo CD | |
| 0.40% | $100k | - | 18 Month Jumbo CD | |
| 0.35% | $250 | - | 30 Month CD | |
| 0.35% | $100k | - | 7 Month Jumbo CD | |
| 0.35% | $100k | - | 8 Month Jumbo CD | |
| 0.35% | $100k | - | 9 Month Jumbo CD | |
| 0.35% | $100k | - | 10 Month Jumbo CD | |
| 0.35% | $100k | - | 11 Month Jumbo CD | |
| 0.30% | $250 | - | 2 Year CD | |
| 0.25% | $250 | - | 22 Month CD | |
| 0.20% | $250 | - | 20 Month CD | |
| 0.15% | $250 | - | 15 Month CD | |
| 0.15% | $250 | - | 18 Month CD | |
| 0.15% | $250 | - | 1 Year CD | |
| 0.15% | $250 | - | 16 Month CD | |
| 0.10% | $250 | - | 7 Month CD | |
| 0.10% | $250 | - | 9 Month CD | |
| 0.10% | $250 | - | 11 Month CD | |
| 0.10% | $250 | - | 180 Day CD | |
| 0.10% | $250 | - | 8 Month CD | |
| 0.10% | $250 | - | 10 Month CD | |
| 0.05% | $250 | - | 91 Day CD |
Consumers Credit Union (IL) IRA Rates
| Apy | Min | Max | Product | |
| 1.20% | $100k | - | 5 Year Jumbo IRA | |
| 1.20% | $100k | - | 5 Year Jumbo Roth IRA | |
| 1.20% | $100k | - | 5 Year Jumbo Education IRA | |
| 1.20% | $100k | - | 5 Year Jumbo SEP IRA | |
| 1.05% | $100k | - | 59 Month Jumbo IRA | |
| 1.05% | $100k | - | 59 Month Jumbo Roth IRA | |
| 1.05% | $100k | - | 59 Month Jumbo Education IRA | |
| 1.05% | $100k | - | 59 Month Jumbo SEP IRA | |
| 0.95% | $100k | - | 4 Year Jumbo IRA | |
| 0.95% | $250 | - | 5 Year IRA | |
| 0.95% | $100k | - | 4 Year Jumbo Roth IRA | |
| 0.95% | $250 | - | 5 Year Roth IRA | |
| 0.95% | $100k | - | 4 Year Jumbo Education IRA | |
| 0.95% | $100k | - | 4 Year Jumbo SEP IRA | |
| 0.95% | $250 | - | 5 Year Education IRA | |
| 0.95% | $250 | - | 5 Year SEP IRA | |
| 0.85% | $100k | - | 45 Month Jumbo IRA | |
| 0.85% | $100k | - | 45 Month Jumbo Roth IRA | |
| 0.85% | $100k | - | 45 Month Jumbo Education IRA | |
| 0.85% | $100k | - | 45 Month Jumbo SEP IRA | |
| 0.80% | $250 | - | 59 Month IRA | |
| 0.80% | $250 | - | 59 Month Roth IRA | |
| 0.80% | $250 | - | 59 Month Education IRA | |
| 0.80% | $250 | - | 59 Month SEP IRA | |
| 0.70% | $100k | - | 3 Year Jumbo IRA | |
| 0.70% | $250 | - | 4 Year IRA | |
| 0.70% | $100k | - | 3 Year Jumbo Roth IRA | |
| 0.70% | $250 | - | 4 Year Roth IRA | |
| 0.70% | $100k | - | 3 Year Jumbo Education IRA | |
| 0.70% | $100k | - | 3 Year Jumbo SEP IRA | |
| 0.70% | $250 | - | 4 Year Education IRA | |
| 0.70% | $250 | - | 4 Year SEP IRA | |
| 0.60% | $100k | - | 30 Month Jumbo IRA | |
| 0.60% | $250 | - | 45 Month IRA | |
| 0.60% | $100k | - | 30 Month Jumbo Roth IRA | |
| 0.60% | $250 | - | 45 Month Roth IRA | |
| 0.60% | $100k | - | 30 Month Jumbo Education IRA | |
| 0.60% | $100k | - | 30 Month Jumbo SEP IRA | |
| 0.60% | $250 | - | 45 Month Education IRA | |
| 0.60% | $250 | - | 45 Month SEP IRA | |
| 0.55% | $100k | - | 2 Year Jumbo IRA | |
| 0.55% | $100k | - | 2 Year Jumbo Roth IRA | |
| 0.55% | $100k | - | 2 Year Jumbo Education IRA | |
| 0.55% | $100k | - | 2 Year Jumbo SEP IRA | |
| 0.50% | $100k | - | 22 Month Jumbo IRA | |
| 0.50% | $100k | - | 22 Month Jumbo Roth IRA | |
| 0.50% | $100k | - | 22 Month Jumbo Education IRA | |
| 0.50% | $100k | - | 22 Month Jumbo SEP IRA | |
| 0.45% | $100k | - | 20 Month Jumbo IRA | |
| 0.45% | $250 | - | 3 Year IRA | |
| 0.45% | $100k | - | 20 Month Jumbo Roth IRA | |
| 0.45% | $250 | - | 3 Year Roth IRA | |
| 0.45% | $100k | - | 20 Month Jumbo Education IRA | |
| 0.45% | $100k | - | 20 Month Jumbo SEP IRA | |
| 0.45% | $250 | - | 3 Year Education IRA | |
| 0.45% | $250 | - | 3 Year SEP IRA | |
| 0.40% | $100k | - | 1 Year Jumbo IRA | |
| 0.40% | $100k | - | 15 Month Jumbo IRA | |
| 0.40% | $100k | - | 16 Month Jumbo IRA | |
| 0.40% | $100k | - | 18 Month Jumbo IRA | |
| 0.40% | $100k | - | 1 Year Jumbo Roth IRA | |
| 0.40% | $100k | - | 15 Month Jumbo Roth IRA | |
| 0.40% | $100k | - | 16 Month Jumbo Roth IRA | |
| 0.40% | $100k | - | 18 Month Jumbo Roth IRA | |
| 0.40% | $100k | - | 1 Year Jumbo Education IRA | |
| 0.40% | $100k | - | 1 Year Jumbo SEP IRA | |
| 0.40% | $100k | - | 15 Month Jumbo Education IRA | |
| 0.40% | $100k | - | 15 Month Jumbo SEP IRA | |
| 0.40% | $100k | - | 16 Month Jumbo Education IRA | |
| 0.40% | $100k | - | 16 Month Jumbo SEP IRA | |
| 0.40% | $100k | - | 18 Month Jumbo Education IRA | |
| 0.40% | $100k | - | 18 Month Jumbo SEP IRA | |
| 0.35% | $100k | - | 7 Month Jumbo IRA | |
| 0.35% | $100k | - | 8 Month Jumbo IRA | |
| 0.35% | $100k | - | 9 Month Jumbo IRA | |
| 0.35% | $100k | - | 10 Month Jumbo IRA | |
| 0.35% | $100k | - | 11 Month Jumbo IRA | |
| 0.35% | $250 | - | 30 Month IRA | |
| 0.35% | $100k | - | 7 Month Jumbo Roth IRA | |
| 0.35% | $100k | - | 8 Month Jumbo Roth IRA | |
| 0.35% | $100k | - | 9 Month Jumbo Roth IRA | |
| 0.35% | $100k | - | 10 Month Jumbo Roth IRA | |
| 0.35% | $100k | - | 11 Month Jumbo Roth IRA | |
| 0.35% | $250 | - | 30 Month Roth IRA | |
| 0.35% | $100k | - | 7 Month Jumbo Education IRA | |
| 0.35% | $100k | - | 7 Month Jumbo SEP IRA | |
| 0.35% | $100k | - | 8 Month Jumbo Education IRA | |
| 0.35% | $100k | - | 8 Month Jumbo SEP IRA | |
| 0.35% | $100k | - | 9 Month Jumbo Education IRA | |
| 0.35% | $100k | - | 9 Month Jumbo SEP IRA | |
| 0.35% | $100k | - | 10 Month Jumbo Education IRA | |
| 0.35% | $100k | - | 10 Month Jumbo SEP IRA | |
| 0.35% | $100k | - | 11 Month Jumbo Education IRA | |
| 0.35% | $100k | - | 11 Month Jumbo SEP IRA | |
| 0.35% | $250 | - | 30 Month Education IRA | |
| 0.35% | $250 | - | 30 Month SEP IRA | |
| 0.30% | $250 | - | 2 Year IRA | |
| 0.30% | $250 | - | 2 Year Roth IRA | |
| 0.30% | $250 | - | 2 Year Education IRA | |
| 0.30% | $250 | - | 2 Year SEP IRA | |
| 0.25% | $250 | - | 22 Month IRA | |
| 0.25% | $250 | - | 22 Month Roth IRA | |
| 0.25% | $250 | - | 22 Month Education IRA | |
| 0.25% | $250 | - | 22 Month SEP IRA | |
| 0.20% | $250 | - | 20 Month IRA | |
| 0.20% | $250 | - | 20 Month Roth IRA | |
| 0.20% | $250 | - | 20 Month Education IRA | |
| 0.20% | $250 | - | 20 Month SEP IRA | |
| 0.15% | $250 | - | 1 Year IRA | |
| 0.15% | $250 | - | 15 Month IRA | |
| 0.15% | $250 | - | 16 Month IRA | |
| 0.15% | $250 | - | 18 Month IRA | |
| 0.15% | $250 | - | 1 Year Roth IRA | |
| 0.15% | $250 | - | 15 Month Roth IRA | |
| 0.15% | $250 | - | 16 Month Roth IRA | |
| 0.15% | $250 | - | 18 Month Roth IRA | |
| 0.15% | $250 | - | 1 Year Education IRA | |
| 0.15% | $250 | - | 1 Year SEP IRA | |
| 0.15% | $250 | - | 15 Month Education IRA | |
| 0.15% | $250 | - | 15 Month SEP IRA | |
| 0.15% | $250 | - | 16 Month Education IRA | |
| 0.15% | $250 | - | 16 Month SEP IRA | |
| 0.15% | $250 | - | 18 Month Education IRA | |
| 0.15% | $250 | - | 18 Month SEP IRA | |
| 0.10% | $250 | - | 180 Day IRA | |
| 0.10% | $250 | - | 7 Month IRA | |
| 0.10% | $250 | - | 8 Month IRA | |
| 0.10% | $250 | - | 9 Month IRA | |
| 0.10% | $250 | - | 10 Month IRA | |
| 0.10% | $250 | - | 11 Month IRA | |
| 0.10% | $250 | - | 180 Day Roth IRA | |
| 0.10% | $250 | - | 7 Month Roth IRA | |
| 0.10% | $250 | - | 8 Month Roth IRA | |
| 0.10% | $250 | - | 9 Month Roth IRA | |
| 0.10% | $250 | - | 10 Month Roth IRA | |
| 0.10% | $250 | - | 11 Month Roth IRA | |
| 0.10% | $250 | - | 180 Day Education IRA | |
| 0.10% | $250 | - | 180 Day SEP IRA | |
| 0.10% | $250 | - | 7 Month Education IRA | |
| 0.10% | $250 | - | 7 Month SEP IRA | |
| 0.10% | $250 | - | 8 Month Education IRA | |
| 0.10% | $250 | - | 8 Month SEP IRA | |
| 0.10% | $250 | - | 9 Month Education IRA | |
| 0.10% | $250 | - | 9 Month SEP IRA | |
| 0.10% | $250 | - | 10 Month Education IRA | |
| 0.10% | $250 | - | 10 Month SEP IRA | |
| 0.10% | $250 | - | 11 Month Education IRA | |
| 0.10% | $250 | - | 11 Month SEP IRA | |
| 0.05% | $250 | - | 91 Day IRA | |
| 0.05% | $250 | - | 91 Day Roth IRA | |
| 0.05% | $250 | - | 91 Day Education IRA | |
| 0.05% | $250 | - | 91 Day SEP IRA |
Rates updated: 5/23/2013
Data for Q4 2012
Institution Statistics
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Institution Health
Overall Score:
4 out of 5 
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Poor Online Banking
- PaulF - Thursday, January 3, 2013 - 3:14 PMConsumers Online Banking is not up to par with other online banking systems. They require you to make 12 CREDIT transactions to get a higher Interest Rate and return their fees but their online system has a flaw where it does not tell you if your transation is processed as a DEBIT or CREDIT. Online merchants can process your CREDIT payment as DEBIT without your knowledge. You only find this out per the service representation by either calling the bank or chatting with them online. They also do not respond to secured online systems.
Look else where unless you want to call the bank every month to confirm that transactions you actually made posted as CREDIT were done by DEBIT without your knowledge.
5
10 Year Member
- JoyIAm - Wednesday, April 20, 2011 - 12:36 PMI have been a member/customer of Consumers Credit Union for almost 10 years now. I have had a money market account, a savings account, IRA's, a debit card and a checking account with them. I have also used their really FAST streaming tab to keep close track of stocks I wanted to buy. Consumers Credit is headquartered in Waukegan with 3 branches in three different locations in northern Illinois. I have dealt with each of the branches and the main office at various times. I mention this because I have had the same level of service and cooperation from all branches and the main office. It's really been great. At one point I was hospitalized for a few months, and it was so easy to take care of all my money matters on their website or by phone. I now pay all my utilities, rent, medical bills--everything--using their website--with automatic monthly payments that I don't even have to think about. They just happen!! And using their debit card to pay all my bills doesn't cost me anything. In fact, it earns me interest because it helps me qualify for their Rewards Checking program. No minimum balance in either checking account or savings account. Show me a bank that will do that!! My friends keep telling me these horror stories about all the charges they incur from their financial institutions (that shall remain nameless). I eventually called and had no trouble talking with the president of Consumers Credit Union. I thanked him for the years of pleasant, trouble-free service. He was not even surprised that I had called. Apparently his receiving such calls was not that unusual. I honestly can't think of a thing I'd change about this Credit Union--except maybe if they started giving away free money--well, that WOULD be nice.
5
Haven't Yet Opened The Account But The Person On The Phone Was Very Helpful
- Anonymous - Tuesday, March 9, 2010 - 11:46 AMHaven't yet opened the account but the person on the phone was very helpful. She did tell me that the rate on the Rewards Checking account will fall to 3.59% APY on April 1, 2010.
5
Beware Of Banks Gimmicks.Scams To Get You To Open Account.
- unique - Wednesday, January 9, 2013 - 12:59 PMThe credit union offered this special that if you open up an account with 10k and you filled a few requirments such as looking at your account once a month and using your card 12 times and paying one bill you would get approx 30 buck a month.
WELL a few months into the program they changed the program ...and cut the amount and the rules remained the same..and really did not inform me open...it was in the disclaimers..
So beware of these scams they just want you to open an account..which I have since closed..
4
Be Aware!!!! Anybody Out There Being Treated This Way?????
- poppy - Wednesday, June 27, 2012 - 4:33 AMI have trusted this credit union and funded thousands of dollars since day one with them. And the person who took my funds never told me that my own money will be frozen, on hold however long until, they recieved my signature on some IRS back up withholding paper.
My trust to fund in this credit union is not treated back fairly.
What's more, the papers with which they excused to froze my thousands of dollars are not being mailed out one week later.
Please anyone out there, can you give me some advice on this credit union????
3
Great Customer Service!
- ccu2121 - Thursday, March 29, 2012 - 1:54 PMI recently bought a used car and refinanced through Consumer's Credit Union. I had a very difficult time working the refinancing out with the dealer and the bank they chose for my original financing, but the representative I talked to on the phone, Valerie, was incredibly patient and helpful. I highly reccommend her, the overall customer service of CCU and the loan products they provide.
2
Consumers Is Trying To Transfer From An Account I Never Set Up & Charging Me
- linmarie - Friday, February 17, 2012 - 1:32 PMI opened a reward checking account with Consumers Credit Union. They gave me an account number to establish a link with Chase. I funded the CCU account with this link. On the CCU site I did notice that I had a regular shares & reward checking. I moved the money into the rewards checking and did the required debit transactions and ACH transfer. I received an email stating that I did not qualify for the rewards checking interest & called CCU. They told me that the ACH transfer went into savings not checking. I did not know that I had a separate number for checking as I was not given another account number. Last week I moved money from the designated "checking" into the "regular shares" and transferred from CCU to Chase. The transaction when through. This week I attempted to do the same exact transaction (I only have one link set up) & the transaction did not go through & I was charged a $30 NSF fee by CCU. I called CCU and they said the transfer was "quoted as checking". The CCU representative told me to transfer the money into the checking and see if it processes this time. I don't know how they can transfer money between accounts where no link has been established and verified. This is scary. They can transfer the money "into" the account that benefits them and "out" of the account that benefits them.
2
Anyone Interested In Getting $50 For A Referral?
- hugoab - Tuesday, November 8, 2011 - 2:33 PMHi, I'm opening a Reward Checking. Anyone interested in getting $50 for a referral?
2
Consumers Credit Union (IL) Customer Referral Program
- xyzaxis2000 - Thursday, October 20, 2011 - 12:51 PMhello,
i'm opening an account, and have some info on the $50/$50 program
if you would like a referral, we both can make some money.
e,ail me and i will will send the form
thanks
robert xyz_axis@comcast.net
2
LOVE THIS CREDIT UNION
- OZZIEABALDE - Friday, August 31, 2012 - 1:35 PMI highly recommend Consumers credit union,they offer the best deals in financing,the people there are great,especially Janet,she is a pleasure to deal with.
OZZIE ABALDE
1
REFER ME To This Union
- debashishg - Tuesday, December 6, 2011 - 6:01 PMHello can anyone please refer me to this credit union
my email is ghosh(dot)debashish(at)gmail(dot)com.
1
Share A Referral?
- Cath - Monday, October 17, 2011 - 6:39 PMHi,
Would someone like to refer me for the program? Also, I'd like to know opinions of how easy/hard it is to meet the monthly requirements. I use a rewards visa now for everything, so hopefully switching to using a debit will not be a problem. Thanks! wewithstand(at)yahoo(dot)com
1
Please Refer Me
- klancione - Monday, October 17, 2011 - 12:12 AMhi, i would like a referral please. kristin (dot) lancione (at) gmail (dot) com
1
I Can Refer You To Join Consumers Credit Union!
- fushi25 - Thursday, October 13, 2011 - 6:28 PMI am a member of Consumers Credit Union and glad to refer you to join. Actually the referral process is pretty simply. You just need to go their application website (Consumers Credit Union :: Open An Account Online) and open the saving account and the rewards checking account. I just need the full name on the accounts, then I'll fax the referal form to them.
1
Referral Program?
- Askelands - Sunday, September 18, 2011 - 7:22 PMHi,
This Reward Checking sounds promising.
Anyone interested in referring me for the 50/50 program?
1
Is This Checking Acct Open To Someone NOT In IL?
- 11seeker11 - Thursday, September 15, 2011 - 10:40 PMIf so, looking for someone to refer me for the $50 two-way reward!
karen@wrightminded.com
1
Looking For A Referral So We Can Both Get $50!
- adamsear - Tuesday, September 13, 2011 - 11:11 PMLike javablonde, I'm also interested in signing up for an account. Let me know if you want to be my referral!
1
Anyone Want To Refer Me? I Want To Open An Account. Sounds Like It Is Worth $50 To You And $50 To Me.
- javablonde - Thursday, September 1, 2011 - 2:29 PMAnyone want to refer me? I want to open an account. Sounds like it is worth $50 to you and $50 to me.
See the details they have online:
https://www.myconsumers.org/en/about-ccu/promotions/10-11-02/Member_to_Member_Referral_Promotion.aspx
1
Nationwide Savings Accounts
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CIT Bank
3-year Term IRA CD
1.21% APY
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* All banks listed are a Member FDIC.
CCU Overall Is A Good Bank
CCU overall is a good bank - more of your small credit union feel with real people answering the phone
the rewards program is excellent; not too difficult and high rates
-the debit card program excels in that it allows both PinBased and Non PinBased transactions to qualify; basically any transaction i've used my card for, ATM, VISA, online, recurring bill via phone company counts.
-you only have to make one bill pay
-no direct deposit required if you make the bill pay; an ACH deposit potentially works but haven't tested it
-your reward deposits the last day of the month
-reward checking offers ATM fee refunds if you hit the reward guidelines
-no free checks at first if that matters
-incomeing or outgoing money moves quickly, no 5 day HSBC like delays
-the rate over $25k is not bad for checking if you hover around it and use the account (ie you keep $26k in it so you don't go below 25 during the month)
the not so good::
the banking system is one of those outside packages; collection of modules rolled into one so its a bit clunky but not Pentagon bad.
there are NO ACH outbounds, you can bill pay your other bank accounts with some success using address and account number
any deposits into the account go into the defaul Shares Account(its a credit union); so you have to keep moving it to your rewards checking account if you want the interest - not sure if the bank can fix this
i personally dislike the online statements, a real mess