Free & Clear Checking
A perfect option for everyday spenders who want a no-hassle, no-fee checking experience with added features and flexibility.
Overview
What is a Free & Clear Checking Account?
Free & Clear Checking offers a straightforward, fee-free solution for your day-to-day banking needs. It’s ideal for members who want flexible, digital-first tools without worrying about minimums or unexpected charges. From automatic overdraft coverage to mobile deposits and paperless statements, this account puts convenience first.
A Base Shares account is required to open a Free & Clear Checking account.
Member-Focused. Locally Rooted.
Flexible, Full-Service Checking With No Surprises
Whether you’re writing checks, using your debit card, or paying bills online 802CU’s Free & Clear Checking is ready when you are.
Product Benefits
Fee-Free Banking That Fits Your Life
Multiple Overdraft Options
Choose the protection that fits your needs. From $750 Overdraft Privilege (available after 30 days of responsible use), to automatic transfers from your savings ($2 fee), to an optional Overdraft Loan for extended coverage.
Full Access, No Hidden Costs
Enjoy zero monthly fees, no minimums, and no direct deposit requirements—plus free Bill Pay and mobile check deposit through the 802CU mobile app.
Debit Card Convenience
Use your debit card anywhere Mastercard® is accepted, with a $2,000 daily spending limit (adjustable upon request) and $500 ATM withdrawal limit.
Check Access Made Easy
Temporary checks are available at any 802CU branch ($2 per page, four checks per page). You can also order personalized checks through Harland Clarke, with pricing based on your chosen style and features.
OVERDRAFT PROTECTION
Choose the Right Overdraft Protection for You
Free & Clear Checking offers multiple layers of overdraft protection, so you can choose the option that fits your needs and avoid surprise fees.
Transfer from Shares
Automatically transfer funds from your linked savings account to cover overdrafts. If available, funds are moved once per day, and a $2.00 fee applies per transfer. You can also transfer funds manually via online banking, our 24-Hour Telephone Teller Service, or by contacting our branches during business hours.
Fee: $2.00 per automatic transfer
Overdraft Loan
A line of credit that covers overdrafts and can be paid back over time. This option provides added flexibility, especially for larger or unexpected expenses.
Contact us to learn more or apply.
Overdraft Privilege
Eligible accounts may qualify for Overdraft Privilege, which allows you to overdraw your account up to a limit ($750) for a $25 fee per transaction.
- Activated after 30 days of responsible account use
- Covers checks, ACH, and pre-authorized debit card transactions
- Optional extended coverage available for ATM and one-time debit transactions
Fee: $25 per paid item / $25 per returned item
Returned items occur when a payment (such as a check or electronic transaction) is declined due to insufficient funds and is not covered by overdraft protection. These items are sent back unpaid, and a $27 returned item fee is charged.
Frequently Asked Questions
Have Questions? Let Us Help!
Banking Services
Bank Smarter with the Right Tools
From budgeting tools to fraud protection, we’re here to help you feel confident and in control of your finances.
More Than a Member
As a member-owner, you’re doing more than banking. You’re building a better financial future with a credit union that puts you first.
Testimonials
Hear From Our Members!
Real stories from real people who’ve found their financial home.
I recently moved to Vermont and was looking for a new financial institution. Several people recommended 802 Credit Union. Kim helped me set up my accounts, my direct deposit and got me started with online banking. She showed me how to use Bill Pay, which I never used at my previous bank. What a huge convenience! I highly recommend 802 Credit Union and all the staff at the Windsor branch.
Sarah
Windsor, VT
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