Receive certain bills online Pay anyone with a U.S. address Schedule one-time and recurring payments Pay fixed amounts (rent) or variable amounts (utilities)		Use anywhere Visa is accepted Use at any of the 20,000 surcharge-free ATMs in the CO-OP Network nationwide Use at any ATM displaying the Visa logo Take advantage of Visa Rewards Online	No monthly fees No minimum balance requirements No low-balance fees Dividends earned on balances over $1,000** Overdraft protection Unlimited check writing
	* Mention this offer when you visit the branches listed above. Membership requirements apply. $50 deposit will be made after first Direct Deposit is complete. Expires February 28, 2006. **Dividends based on average daily balance.