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  Clark County Credit Union Essential Checking Account

Clark County Credit Union Essential Checking Account

in Checking Accounts from Clark County Credit Union · Member ncua

Unaffiliated

Clark County Credit Union Essential Checking Account

Unaffiliated

in Checking Accounts from Clark County Credit Union · Member NCUSIF

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Highlights
Monthly Fee $0 - $4.95
ATM Fee: Out-of-Network $1
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.01%

Clark County Credit Union Essential Checking Account Review

Clark County Credit Union Essential Checking Account is offered by Clark County Credit Union, a credit union founded in 1951 and based in Las Vegas, NV. Clark County Credit Union Essential Checking Account is available in 1 state across the USA.

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only 0.01%.
  • Charges a monthly fee. This account charges a monthly maintenance fee of up to $4.95, but there are ways to waive the fee.
  • Free bill pay. Pay your bills to practically anyone in the United States through Clark County Credit Union.
  • Hard credit pull. Clark County Credit Union may require a hard pull on your credit report to open a checking account.
Clark County Credit Union Essential Checking Account Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge (if minimums are not met).
  • Charges a fee on out-of-network ATM transactions.
Clark County Credit Union Essential Checking Account FAQ

Are checking accounts from Clark County Credit Union federally insured?

Yes, your Clark County Credit Union checking accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does Clark County Credit Union Essential Checking Account offer?

Clark County Credit Union Essential Checking Account Rates & Terms
Description
APY (Annual Percentage Yield) 0.01%

Clark County Credit Union Essential Checking Account offers an APY of 0.01% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $0.01.

What are the account minimums for Clark County Credit Union Essential Checking Account?

Clark County Credit Union Essential Checking Account requires a minimum initial deposit of $50 to open an account.

Clark County Credit Union Essential Checking Account Account Minimums
Description Amount
Minimum Opening Deposit $50
APY Minimum Balance $0.01
Minimum Direct Deposit to Avoid Monthly Fee $1,000

What fees does Clark County Credit Union Essential Checking Account charge?

This account charges a monthly maintenance fee of up to $4.95.

Clark County Credit Union Essential Checking Account Fees
Description
ATM Fee: In-Network $0
Check Copy $2
Debit Card Replacement Fee $5
Early Account Closure $25
Monthly Fee $0 - $4.95
NSF Fee $28
Overdraft Item Fee $12
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $12
Stop Payment Fee $15
Wire Transfer Fee - Domestic (Outgoing) $25
ATM Fee: Out-of-Network $1

What features and perks does Clark County Credit Union Essential Checking Account offer?

This account includes the following features:

  • Fraud monitoring - Clark County Credit Union Essential Checking Account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Clark County Credit Union Essential Checking Account allows you to manage your money online.
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Availability

  Available in 1 state
Nevada
Availabile in all of Nevada

Feature Breakdown

APY Minimum Balance $0.01
Minimum Direct Deposit to Avoid Monthly Fee $1,000
Minimum Opening Deposit Starting at $50
ATM Fee: In-Network $0
Check Copy $2
Debit Card Replacement Fee $5
Early Account Closure $25
Monthly Fee $0 - $4.95
NSF Fee $28
Overdraft Item Fee $12
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $12
Stop Payment Fee $15
Wire Transfer Fee - Domestic (Outgoing) $25
ATM Fee: Out-of-Network $1
Bank Account Features
  • Free Bill Pay
  • Interest Bearing Account
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
APY (Annual Percentage Yield) 0.01%

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