Features Include:

• No Monthly Service Fees
• No Minimum Balance
• Free Checks (style restrictions apply)
• 1/4 % discount on selected loans
• Monthly Dividends *
• Free ATM/Debit Card
• Free On-Line Bill Pay
• Free Online Account Access - HFS (Home Financial Services)
• Overdraft Protection Line of Credit Loan (approval subject to NTS Credit Union underwriting guidelines)
• Surcharge Free ATM's located in the NTS Credit Union Office and in the Teachers Lounges at Niles North and Niles West 
• NTS Credit Union participates in multiple surcharge free networks (All Point, Star Surcharge Free and 
• NTS Credit Union refunds up to $12.00 each month in ATM Surcharges if you use an ATM and incur a fee

*Checking Account Rates are subject to change at any time