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HAPO CHECKING COMPARISON CHART

  POWER+* ADVANTAGE 50+ ** ADVANTAGE 50**
Minimum Balance
  • None
  • None
  • $300
Monthly Service Fee
  • No Fee
  • $4.95
  • No fee or $7 if balance falls below $300
Interest
  • Tiered Interest - the more you save the more you earn!*
  • Interest paid on balances of $2,500 or more
  • Interest paid on balance of $1,000 or more
Convenience Services
Advantage Benefits  
Additional Benefits
  • Earn the same great rate of a Money Market Account with all the conveniences of a checking!
  • No more shuffling your money around to get higher rates!

      SPECIALLY DESIGNED FOR MEMBERS 15-21 YEARS OLD †
  ADVANTAGE+ CLASSIC MI CHECKING
Minimum Balance
  • None
  • None
  • None
Monthly Service Fee
  • 5.95
  • No Fee
  • No Fee
Interest
  • Interest paid on balance of $1,000 or more
  • Interest paid on balance of $2,500 or more
  • Interest paid on balance of $2,500 or more
Convenience Services
Advantage Benefits    
Additional Benefits  
  • Brass Magazine
  • Parent monitoring feature: Parents now have the flexibility to link their own personal account to the MI Checking Account
  • This feature allows parents to easily transfer money or monitor account activity of their young adult
  • Build strong financial habits for young adults
  • Googleplex, the on-line guide for credit union student money makers

*POWER PLUS requires Direct Deposit, a VISA Check Card and E-statements. If any of these services are inactive
for a period of 90-days this account will be converted to a Classic Checking account.

**ADVANTAGE 50 requires member be at least 50 years of age to qualify for accounts.

***FREE BILL PAYER is a benefit for active Bill Pay users. A fee of $6.95 per month will apply if there is no activity
for any 90-day period. After no activity in any 180-day period your Bill Payer account will be closed.

† MI CHECKING requires a parent or guardian to be listed as a joint owner on the account, if you’re under 18 years of age.


CONVENIENCE SERVICES

WE KNOW LIFE IS BUSY… LET HAPO HELP YOU

Internet Teller - Real-Time Control Over Your Accounts
Manage your money safely from any Internet-enabled computer, any time. Transfer funds, view balances and transactions, cleared checks, electronic statements, re-order checks, pay your bills, make loan payments, and more. Manage your money
better than ever before!

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E-Statements - Experience the Ultimate in Convenience

  hapo e-statements

•Faster access to your statement since mail time is eliminated.
•Free yourself from finding storage to file your statements.
•Receive identical information in your e-statement as in your paper statement.
•Reduce the risk of financial information being exposed when paper statements are mailed or discarded.
•Eco-friendly, choose when and if you want to print your statement or conveniently store them on your computer
•Enroll Now! It’s FREE!

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Bill Pay - Make Life Easier
With Bill Payer you can eliminate the tedious task of paying bills so you have more free time to do the things you want. Relax, once you schedule bills online, they’re as good as paid. Spend your time on life’s pleasures, not paying bills.

With Bill Payer you can set up a payment schedule for each bill, either recurring or one-time, and our secure system will see that it is paid, on time with money from your HAPO checking account. You don’t have to write a single check, lick a single
envelope or buy another stamp.

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24-Hour Hotline - Reach Out and Talk to Your Money
Access your HAPO account from anywhere, anytime using your mobile, home, or office telephone. Get account balances, review deposit history, make transfers and much more. We can set you up in a matter of seconds, we’ll show you how.

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Direct Deposit - Better, Safer And Quicker
No need to waste time fighting traffic and standing in line on payday to deposit your paycheck, social security or pension check. Have your check automatically deposited right into your HAPO account. Whether it’s checking, savings, the entire paycheck or just part of it, Direct Deposit with us is guaranteed to save you time.

Find out how you can save .25% on your new HAPO loan when you pay with Direct Deposit or use our automatic loan payment options!

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Visa Debit Card - The Way to Pay
Instead of writing a check or carrying cash use your VISA® Debit Card. It’s accepted anywhere Visa is accepted worldwide. Enter your PIN (Personal Identification Number), or ask the merchant to process your transaction as a credit using your signature for authorization. Either way, the amount is deducted from your HAPO checking account, and appears on your monthly statement. The VISA® Debit Card also functions as an ATM Card, allowing you to get cash from any ATM displaying the VISA® logo.

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ADVANTAGE ACCOUNT BENEFITS

DISCOVER WHICH GREAT SERVICES YOU CAN RECEIVE WITH YOUR HAPO CHECKING ACCOUNT

$100,000 Common Carrier Accidental Death Insurance
You’ll be covered for $100,000 of Accidental Death Insurance when you travel by a licensed Common Carrier.

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$10,000 24-hour Accidental Death Insurance

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Saver’s Club Book®
Save 50% on rack room rates at over 3,500 participating lodging properties from coast to coast. Plus, you’ll find discount offers from theme parks and car rental companies. You can receive a new bargain-filled Savers Club Book® every year.
(Ask for program rules of use for complete details.)

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Bonus Travel
Earn exciting cash rewards when you travel. Arrange your travel toll free, and get 5% savings on lodging expenses, airline travel, car rentals, cruises and package trips. Make travel plans by calling the toll-free Bonus Travel number.

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Discount Pharmacy Service*
Order by mail and reduce your cost on prescriptions, vitamins and over-the-counter products.

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Rx Advantage Prescription Drug Program*
Your Rx Advantage card grants you preferred pricing on many prescription medications at participating pharmacies nationwide. You’ll also have the added security of our prescription drug monitoring program, alerting your pharmacist to important information about your prescription. Rx cards are included in Advantage 50+ new account packages.

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Purchase Protection and Extended Warranty
90-day Purchase Replacement – Protects items in case of theft, loss or damage for the first 90 days.

Extended Warranty – Extends original warranties up to an additional year. Some restrictions apply.

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Liberty Market Place Discount Program*
You can receive up to 15% off the average retail price of diabetes testing products, as well as the convenience of having the supplies delivered right to your door with no shipping charges when you order through this trusted mail-order company. All products come with a 100% guarantee for 30-days. Some restrictions apply.

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Coast-to-Coast Vision Plan*
Save 20% to 60% when you purchase eyewear. Preferred pricing is available immediately at participating centers. You can also save 10% to 30% on eye exams and surgical procedures including RK and LASIK surgery through our national network of ophthalmologists, where available. There are no forms to complete or claims to file in order to receive your discount.

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Identity Theft Insurance
Identity theft is the fastest-growing crime in America, and for victims it can be a time-consuming and costly job to restore their name and good credit. Identity Theft Insurance provides you with the expert assistance and up to $2,500 in financial relief in the event your identity is stolen.

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Rebate Rewards
Get cash back—simply by purchasing items you use every day. Save your receipts when you buy groceries, eat out, purchase clothing, or buy pet supplies. At the end of every quarter, send the receipts (up to $100) with your Everyday Rebate Rewards request form, and receive 10% cash back!

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SPECIAL PROGRAM NOTES: The Accidental Death Insurance is offered by Affinion and is underwritten by Hartford Life Insurance Company. Coverage is divided equally among owners and joint owners. The 24-hour Accidental Death Insurance benefit reduces by half at age 70. Identity Theft Insurance is offered through the insurance company named on the benefit summary Insert. Please refer to the insert for complete details, coverage and exclusions.

*This is not insurance

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