Banclub® Checking This account is the most requested banking service with no minimum balance. With each account you will have the convenience of: - Unlimited Checking - Unlimited personalized wallet checks with no charge - Traveler's checks at no charge and Cashier's Checks, three a month without charge - 24-Hour banking - PLUS... Credit card protection if your card is lost or stolen, key ring protection, check cashing availability at thousands of locations coast to coast, emergency cash advance on MasterCard® or VISA® at over 5,000 locations 24 hours a day, membership magazine, discounts on travel and entertainment, and traveler's advantage discounts worldwide. Banclub® accounts offer $10,000, worth of 24-hour accidental death insurance coverage depending on which plan you choose. - Personal Plan I, $6.50 a month, $10,000 Accidental Death Insurance *The Product is NOT A DEPOSIT ACCOUNT OR OTHER OBLIGATION of any depository institution or any affiliate of any depository institution. *The Product is NOT GUARANTEED OR INSURED by any depository institution or any affiliate of any depository institution. *The Product is NOT INSURED by the Federal Deposit Insurance Corporation(FDIC) *The Product, except in the case of Federal Flood Insurance or Federal Corp Insurance, is NOT INSURED by any federal government agency. *There is INVESTMENT RISK associated with the Product, including the POSSIBLE LOSS OF VALUE.