SAFE & Simple checking has many benefits:

• No minimum balance required
• No monthly service charges
• No per check fees
• Pays dividends on an average balance of $500 and above
• Peace of mind that funds are federally insured by the NCUA
• Above market dividends on balances over $500
• Free Online Banking - Sign up for SAFENET today!
• Free Touchtone Teller - Sign up for SAFE Touch today!
• Free Visa Debit Card
• Convenient Direct Deposit Available
• Free SAFE ATMs & thousands of surcharge free CO-OP ATMs
• Free access to Credit Union Service Centers (Shared Branches)
• Overdraft Coverage Options Available
• Access to Bill Pay

Upon opening account, first box of SAFE Custom Checks free with the set up of direct deposit. Duplicate or single checks are available in many designs.

Overdraft protection available by transfer from savings, Flex, SIMMA or a line of credit. Overdraft privilege is also available.

Minimum opening deposit of $25 is requested.

Itemized monthly statement includes check number, amount, date paid, debit transaction descriptions and deposit transactions.

Stop payment privileges available in person and by telephone during office hours and by electronic services 24 hours per day.

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SAFE Debit Rewards Program

SAFE has unveiled a rewards program for users of our debit cards. The rewards program comes at a time when consumers' usage of debit cards continues to rise despite the recession. In the 2009 PULSE EFT Debit Issuer Study, debit issuers sureveyed experienced debit transaction growth of 8% in the second half of 2008., composed of 15% growth in PIN and 4% growth in signature transactions. PULSE executives expect debit card usage to continue to grow even as the economy bottoms out because consumers use the debit card for everyday, necessary expenses.

We've found that our program offers greater rewards than our competitor's programs. Our members are eligible for gifts with as few as 100 points while other programs require thousands of points before redemption.

Under the program, cardholders can earn points for using their debit card on purchase transactions made with signature or PIN. Offering points for PIN-based purchases is unique for rewards programs. "We wanted to ensure that our members achieved the most value possible with the program and felt it was natural to include both signature and PIN-based purchases for that reason," said Beverly Gagne, SAFE President/CEO.

Members will receive a certificate every third month for all rewards points they have earned within the preceding 3-month period. They can choose to redeem their certificates at the rewards website www.safefedrewards.org, or accrue their points and accumulate them toward a gift in a higher-point category. Gifts are shipped within 3 to 5 days at no cost to the member.

Multiple gifts are available in each point category, putting the gift choice directly into the members' hands.

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SAFE Insured Money Management Account (SIMMA):

• Pays a variable rate determined by the SAFE Board of Directors
• Minimum opening balance of $2000
• Dividends are compounded and paid monthly on average daily balances of $2000 and above
• Free personalized checks (limit of 2 boxes per year, 100 checks - additional checks can be purchased)
• Unlimited withdrawals allowed in person or by mail request
• Dividends paid on closing
• No monthly service charges
• Limit of clearing 6 checks per month, over 6 there is a $1.00 fee per check cleared
• Avg. daily balances of $10,000-$25,000 and $25,000+ earn higher dividends

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Funds Availability Policy

Due to changes in Federal Regulation CC, SAFE Federal Credit Union's funds availability policy has changed.

Depending on the type of check you deposit into your checking account, your deposited funds may not be available until the second business day after the deposit.

In some cases, we may delay the availability of your funds beyond the standard hold.

You should refer to the credit union's full Funds Availability Policy in your Membership Agreement and Disclosure for additional information about the availability of your deposits or call our Member Service Center at ext. 375.

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