If you are an employee of the State of North Carolina or Federal Employee who works with the state departments than you can open an account with the North Carolina State Employees Credit Union. There are however a few additional requirements that you will need to meet in order to be eligible to open an account. To see a list of all the eligibility requirements and to see if you qualified you can visit http://www.ncsecu.org. To find out if a branch is located near you can very easily use the branch locator which is found on their website.
So once you find out that you are eligible to open account you probably want to know some of the benefits. One thing that you should be aware of is that in order to start membership with the North Carolina State Employees Credit Union, you will need to open a share account. This particular account requires a $25 minimum deposit. This is basically a savings account with no service charges unless your account balance falls below the $25 minimum required balance.
For the checking accounts there is no minimum balance requirement but there is a monthly service fee of $1 charged to your account each month. In addition to the basic savings and checking accounts they also offer Money Market Share accounts, IRA accounts, Share Term Certificate accounts, Coverdell education savings account, Health savings account, Holiday cash club account, and a Summer cash account. To find out more information about these accounts including rates you can visit http://www.ncsecu.org. You can also have over draft protection added to your account, and sign up for direct deposit.
They also offer automated services with includes ATM services where you can customize your own settings, have twenty four hour account access, no fees, make payments and withdrawals. You can visit their website for an ATM locator to find a North Carolina ATM machine that is part of their network.
The North Carolina State Employees Credit Union also offers online services that allows you to access your accounts, check images, check your bank statements, bill pay, real time loan advances, and even money and quicken services. Many find that being able to pay your bills online is a huge plus to any credit union account. If you are interested in using the Money and Quicken downloads it is very simple to integrate into your financial software. You can download transactions at any time and you can use it with all of your accounts. You can sign up for any of the services mentioned above just by visiting their website at www.ncsecu.org.
You can also gain access to many competitive insurance products that are offered through the State’s Employees Credit Union. Some of these insurance products include , health insurance, term life insurance or even automobile and homeowners insurance. If however you are a little worried about security there really is no need to be. As long as you take the time to protect your computer before you sign up of the online account access there should be no problems. They also offer additional security protection such as fraud protection to make sure than no one is able to access your account other than you.
The bottom line is that there are many benefits to opening an account with the North Carolina State Employees Credit Union. They offer many things that regular banks don’t such as their reasonable rates and fees. There online services is definitely one of the biggest features of the credit union and is something that you should consider once you have established your membership.
