Support Home Products & Services Products & Services Ops Update - About EMV Chip Cards What is a Certificate of Deposit (CD) ? What are the important features of CDs? How does the CD Penalty Work? Are there any exceptions to the CD penalty being charged? How is CD interest paid? Do CD’s have compounding interest? How should I choose a CD that is right for me? What is a CD ladder? How do I build a CD ladder? What is the minimum opening balance for a CD? What are some auto purchase options? What is a checking account? What are the different checking accounts we offer? Can a member use bill pay if he/she doesn't have a checking account? Which of our branches do Shared Branching? What is the number to the Co-Op Shared Branch call center outlet? When are the funds from the club accounts made available? What are the daily limits on Debit cards? What is the minimum balance when opening a checking account. What are the My Rewards Checking requirements? What is an HSA account and do we offer them? Does the minor need to be present when opening a Saver Hound account? What are the Share Type Codes? What is the minimum withdraw limit to avoid the Money Market withdraw fee? First Time Homebuyer Savings Account Agreement Debit Card Image Codes If you have more than one member number, can you link a different member number for overdraft protection? What counts towards Onboarding P/S totals for incentives?