This account earns you dividends when the balance remains at or above $250. If your Money Market Account falls below the $250 minimum balance, your account won't earn dividends for that month. You will also incur a $2 fee if your account balance is below $250 on the last day of the month. Tip: If you dip below the $250 minimum on a regular basis, the Select Savings Account may be a better fit for you.

Yes. We will get you started with one box of complimentary checks for your account. Giving you flexible options for your money is our priority. And there are times when checks are just necessary. Tip: To move funds faster, use mobile or online banking for unlimited transfers.

Yes. Funds in all Civic Money Market Accounts are insured up to NCUA maximums.

This account has the ability to write checks but does not come with a debit card. Here's a tip: If you need more options to move money, consider a Bonus Checking Account.

If you’re opening your account with up to $1,000, it’s easiest to fund it by using your debit card. You can also electronically transfer funds from another online account security, and authenticated within a few business days. Or use mobile check deposit in the Civic app to fund your account. (You can even mail a paper check to Civic.)

Right from the start, we encourage you to designate one or more of your accounts as overdraft options. That way, if a charge cannot be covered – and there’s money available in a designated account - we’ll move what’s needed to cover the charge. This important overdraft protection step prevents an overdraft situation and eliminates any insufficient funds fees. So, when you select overdraft protection options, you can use a savings, money market, credit card, personal line of credit or another checking account. And you can combine options together

If a charge comes through your account and your balance cannot support the charge, we can transfer exactly the amount that’s needed to cover the charge from your designated overdraft account. To set up this service, contact the Experience Center.

Yes! We’ve got options when you want to go old-school. If you need checks, send us a secure message through the app or online banking, or call us at 844-772-4842. We will get them ordered and sent to your address on file. After that, you can reorder checks in the Civic app or online banking.

Yes. If there are no funds of any kind available, we will have to reject the transaction and charge your account a $25 fee. To avoid this, enroll your account in overdraft protection.