With a minimum deposit of $100 you can open a FREE checking account at Southwest Heritage Credit Union. There is no monthly service charge and as a valued member, you also receive:

• FREE – Real-time Home Banking
• FREE – EZ Pay Bill Payment
• FREE – ATM transactions at any credit union in Odessa, Midland or Andrews
• FREE – Debit Card Transactions
• FREE – Check Imaging Retrieval on Cleared Checks
• FREE – Transfers between accounts
• FREE – Direct Deposit and Payroll Deduction
• Courtesy overdraft privileges up to $300 (subject to account eligibility and restrictions)

Visa Debit Cards – Southwest Heritage Credit Union now offers real-time debit cards. They are available to all members with a share draft account. Visa debit cards work just like a credit card and can be used anywhere that Visa is accepted. Transactions are debited directly from your share draft account in real-time. There is no charge from the credit union to use your debit card. Here are the details:

• Withdraw funds from your share draft accounts
• Make POS (Point-Of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept VISA
• Order goods or services by mail or telephone from places that accept VISA
• Purchase amounts are limited to the dollar amount in your checking account
• You may make a total combined fifteen (15) VISA Check Card purchases and cash withdrawals in any one day from ATM machines
• You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account

ATMs – With a Southwest Heritage Credit Union checking account you have access to any ATM; however, Credit Union owned ATMs located in Midland, Odessa and Andrews may be used FREE of charge.

CUTI-Audio Response (24-Hour Telephone Teller) –. Our automated teller gives you the freedom to carry-out your financial transactions anywhere, anytime. Here’s what you can do by phone:

• Withdraw funds from your share and share draft accounts
• Transfer funds from your share and share draft accounts
• Obtain balance information for your share and share draft accounts
• Make loan payments from your share and share draft accounts
• Determine if a particular item has cleared
• Obtain tax information on amounts earned on share draft accounts or interest paid on loan accounts
• Verify the last date and amount of your payroll deposit.

You will need a PIN number to use our CUTI service. Please visit one of our two convenient locations to get signed up.