The Ascend Student Checking Package Establishing good habits at a young age will reap long-term rewards.  That’s why St. Louis Community offers a package of services specially designed for members ages 16-23:* No minimum deposit to open No minimum balance Earns interest Free unlimited check writing No monthly service charge Free Online Banking Free Online Bill Pay Free E-statements Free Visa® Check (Debit) Card Free CO-OP network ATM transactions at 25,000+ locations nationwide Free first order of Credit Union logo checks or a 50% discount on first order of all other personal checks (limit 150) Free overdraft protection (automatic withdrawal from savings) MAX 24-Hour Phone Teller Direct Deposit and Payroll Deduction No annual fee MasterCard® ($500 minimum credit line available)** ¼% APR discount on a new or used auto loan (off your lowest qualifying rate)** Spring Break Savings Club – a convenient way for students to save for a spring getaway, summer adventure or other special occasion *The Ascend Student Checking Package is available to St. Louis Community Credit Union members ages 16-23. You must open a regular savings account with a minimum deposit of $1.00 to establish membership in the Credit Union. **Co-signer may be required. See Credit Union for details.