Entire Family or Household Membership FREE Checking Accounts (with no minimum balance) Visa Debit (Combo) Cards Direct Deposit (paycheck, retirement check and social security check) Payroll Deduction for Savings and/or Loan Payments Various Loan Types Loan Rate Discount – for participating in an active checking account, debit card, and loan payment through payroll deduction Optional Life and/or Disability Insurance on Loans Mortgages through MorPAC Audio Response Teller (ART) – 24/7 access to all your accounts Free Online Banking and Free Electronic Bill Pay ATM located in State Office building & others associated with Co-Op ATM Network and Key Bank Discounted Personal Auto Insurance Policies (for quotes call 1-888-636-2377) Discounted Home Insurance Policies (for quotes call 1-877-636-2377 Federally Guaranteed Student Loans Electronic Funds Transfer (to make payments from checking or savings, such as mortgage payments, loan payments, insurance payments, etc.) Certified Checks Discounted Theme Park Tickets