Checking & Savings

Say YES to flexible banking.

At Park Side, our checking, savings and retirement accounts have been developed with the unique needs of Montanans in mind – when you see the benefits of each, chances are we won’t be the only ones saying yes!

 

Click Products for More Information

SAVINGS CHECKING YOUTH
Regular Share Share Draft Checking Piggy Account
Secondary Share eChecking CUTeens
Money Market Savings High Interest Checking
BUSINESS RETIREMENT OTHER SERVICES
Business Checking Term Certificates Overdraft Protection
IRA ATM / Debit / Visa Cards
*Check out our deposit rates Reorder Checks(stylized or personalized)

Reorder Checks (free/basic)

 

Savings

Regular Share

This standard personal savings account is your gateway to other terrific Park Side products and services – once a member, always a member.

• Minimum of $25 balance to open your membership share at Park Side
• Free ATM card
• Free online access and e-statements
• Your gateway to more terrific Park Side products and services!

Once a member, always a member – regardless of where life takes you!

Piggy Account

This kids’ savings account is a great way for your youngster to develop good money habits early.

• A savings account for children 12 and under
• Minimum of $5 to open and maintain membership at Park Side
• Free online access and e-statements
• A great way for the youngster to develop good money habits early!

Money Market Savings

For the sensible investor looking to keep funds liquid.

• Earn a premium dividend rate by maintaining a balance of at least $1000
• Allowed up to 3 withdrawals per month on this non-transactional account
• For the smart, sensible investor looking to keep funds liquid!

Share Draft Checking

Our standard personal checking account is also your ticket to relationship pricing and potentially lower rates on Park Side loans.

• Free VISA debit card
• Free online access with unlimited bill payment and e-statements
• No minimum balance requirements
• Overdraft protection services and Overdraft Privilege available

eChecking

For the on-the-go customer who prefers the convenience of online and mobile banking, this is the account that fits your lifestyle – and your schedule.

• Free VISA debit card
• Member relationship benefits
• Free online access with unlimited bill payment and e-statements
• Overdraft protection services and Overdraft Privilege available
• Up to 5 in-person teller transactions allowed per month
• For the tech-savvy member who wants the most out of Park Side mobile membership!

 

High Interest Checking

For the seasoned balance holder still looking to transact regularly while maintaining the best return on their investment.

• Free VISA debit card
• Earns a premium dividend rate by maintaining a $35,000 minimum balance
• Free online access with unlimited bill payment and e-statements
• For the seasoned balance holder still looking to transact regularly while maintaining the best return on your investment!

 

*Check out our deposit rates

CUTEEN$ Checking

With this checking account, teenage members can get a head start on their financial future by establishing excellent money habits.

• An independent checking account specifically designed for ages 13-17
• Free VISA debit card with every account
• Free online access with unlimited bill payment and e-statements
• Free personal assistance to get your financial feet on the right path
• A springboard to excellent money habits and the benefits of lifetime membership at Park Side!

Teen Financial Network
Do you have a question on a financial topic or need a little help learning to manage your money? Call or stop by one of Park Side FCU’s offices. We’ll be glad to help!

Share Certificates

• We offer 3-month, 6-month, 1-year, 18-month, 2-year, 3- and 5-year Step-up certificates
• Earns a premium dividend rate in accordance with the specified term
• Requires a minimum deposit of $500
• Save with confidence and security at Park Side!

Individual Retirement Accounts (IRA Shares)

Individual Retirement Account, or IRA, is a retirement savings plan. Smart retirement planning begins early! We offer traditional, ROTH and Education. That’s because living the American dream after retirement takes more than modest means.

We want to help you plan for those golden years easily, conveniently, and regularly. We’ve discovered that those who begin retirement funding early and contribute on a regular basis are in the best position to enjoy many years of worry free retirement.

• We offer Traditional, Roth, and Coverdell Educational IRAs
• Just $5 to open and begin saving
• Secure, guaranteed funds invested in Park Side shares and insured by the NCUA
• Your key to a lengthy, comfortable retirement begins here at Park Side!

*Check out our deposit rates
If you have any questions, we’re here to help. Please stop in and see us anytime.

Business Checking

• For businesses that conduct 250 transactions or less per month
• Free VISA debit card, online access with unlimited bill payment, and e-statements
• No minimum balance required to earn dividends
**Because business accounts differ for each situation, please contact a staff member for specific account opening requirements
No monthly service/maintenance fee!

$500 and up
$5,000 to $10,000
$10,000 and up


Checking Overdraft Services

VISA LINE OF CREDIT OVERDRAFTING

By signing up for VISA overdraft protection, you the member authorize Park Side Credit Union to automatically transfer funds from your VISA account in order to cover any shortage of funds in your Share Draft account to pay the following items: Share drafts, ACH withdrawals, electronic bill payments, ATM transactions or debit card transactions, and periodic payments. You understand that your VISA account must be current; the transfers will be in increments of $100 and that the transfer will be treated as a cash advance on your VISA card.

SHARE ACCOUNT OVERDRAFTING

By signing up for the Automatic Share Transfer overdraft protection, your Share Draft account will be covered with any available funds in your specified Share account(s), and Park Side will automatically transfer the necessary and exact amount to clear any overdraft items plus fee. You will be charged $5 per transfer of $20 or more, and any transfer below that threshold will be covered with any available funds as a FREE service to you.

FREE TO CHOOSE OVERDRAFTING

By signing up for our Free to Choose overdraft protection (available to those participating in the Free to Choose program), you authorize Park Side Credit Union to automatically transfer funds from your Free to Choose Line of Credit account in order to cover any shortage of funds in your Share Draft account to pay the following items: Share drafts, ACH withdrawals, electronic bill payments, ATM transactions or debit card transactions, and periodic payments. You understand that the transfers will be in increments of $50 and that the interest on the line of credit will begin to accrue from the effective date of the transfer.

*You may personalize your overdraft options simply by letting us know your Overdraft Sequence preference, and you may opt out of a particular service at any time.

Overdraft Privilege

Overdraft Privilege is an additional product that allows approval and posting of transactions that would normally be declined or returned in the case of insufficient funds. If you have any further questions, please don’t hesitate to contact us or stop into any one of our branch offices and speak with a representative.

*This service is provided at no cost unless you use it, and is another valuable resource in case you accidentally overdraw your checking account.

For overdraft eligible accounts you are automatically covered for check, ACH and recurring debit transactions.

If you’d like to extend this coverage on consumer accounts to everyday debit and ATM transactions, Click Here to download the Overdraft Opt-In Form and bring to your local branch. (Adobe PDF)
Regulation DD Disclosure on Overdraft Services
Accounts will be charged the standard Overdraft fee of $27 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $27 for items returned. An overdrawn balance must be repaid within 30 days. We may not pay items under your overdraft privilege if you do not maintain your account in good standing by bringing your account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours, if you default on any loan or other obligation to Park Side FCU or if your account is subject to any legal or administrative order or levy.

 

ATM/Debit Card

EASY TO USE

With a Park Side Instant Cash & Check Card you just present your card to pay for groceries, gas, clothes or dining out. Then sign your sales receipt and go. It works like a check— your payment is automatically deducted from your checking account. All transaction details will be listed on your monthly statement for easy record keeping.

AS FAST AS CASH

With no checks to write, there’s no awkward approval process or ID necessary. You pay for your purchase and are on your way — in an instant.

WIDE ACCEPTANCE

Use your card for purchases at more than 14 million locations where Visa is accepted — restaurants, grocery stores, hotels, department stores, gas stations and more.

SWITCH TO THE BETTER WAY TO PAY

To benefit from the ease and convenience of an Instant Cash & Check card from Park Side Credit Union, stop in or call us at (406) 755-7283, (406) 862-2652 or (406) 892-3989 to apply or receive more information.

The Difference is as simple as 1-2-3

1. Easier than writing a check
2. As quick as cash
3. Accepted like a credit card, but without adding debt

Apply for your Instant Cash Card today. Once you start using it, you’ll wonder what you ever did without it!

LOST OR STOLEN ATM/DEBIT CARD:

If the Credit Union is closed, you can report a lost or stolen card by calling one of our local branches.
After Hours call Lost/Stolen ATM/Debit Card 1-800-535-8440

 

 

**Because rates fluctuate, please ask a Park Side staff member for current rates on the certificate of your choice. For further details, rates, neccessary documents, please contact your nearest branch for assistance.