*Wired Checking includes Wired Checking Account, Direct Deposit, Debit Card, stjeans@home, Bill Payment & Presentment, Online Statements, and Text Message & Mobile Banking. Products may not be separated. Member must maintain an active status with each of the included services in order to receive full account benefits. ATM Fees are refunded up to $15 per month and will automatically be deposited on the last day of each month into a designated primary savings account. St. Jean’s Credit Union will provide a $25 membership match to be deposited in the designated primary savings account after the second direct deposit cycle. Member must remain in good standing. If account is closed prior to 6 months from opening date, the member will incur a $25 penalty. After the second direct deposit cycle, members will also be eligible to refer a friend and receive $10 for each friend that is referred up to a $50 maximum. The referred individual must open a Wired Checking account and complete all necessary referral paperwork in order for the existing Wired Checking holder to receive the $10 deposit. Employees are not eligible for Refer a Friend Bonus feature. Additional fees may apply, please refer to the Schedule of Fees. Membership is required and is open to anyone who lives or works in Essex, Middlesex or Suffolk Counties, Commonwealth of Massachusetts and employees and family members of H.P. Hood LLC. Offer may be cancelled at any time.