Zing – Your Financial Institution Wherever You Go

We believe in making banking convenient and accessible for our members, no matter where life takes you. With our extensive shared branching network, you have access to over 5,600 branches nationwide. Moving to a new city? No worries. Our shared branching feature allows you to conduct your financial transactions seamlessly, just as if you were at your local branch.

Moving? Take Your Banking with You!

One of the many advantages of being a Zing Credit Union member is the ability to maintain your banking routine, even when you move. Whether you’re relocating for work, school, or a change of scenery, our shared branching and ATM network are here to support you.

How to Get Started

Locate a Shared Branch: Use our online locator to find a shared branch near your new location.
Access Fee-Free ATMs: Easily locate the nearest fee-free ATM using our mobile app or website.
Stay Connected: Don’t forget to update your contact information so we can keep you informed about any changes or updates.

What is Shared Branching?

Shared branching is a unique feature that allows you to access your credit union accounts and perform various transactions at participating credit union branches across the country. It’s like having a piece of your hometown credit union wherever you go.

Here are some signs you can look out for to notice which credit unions participate in Shared Branching.

credit unions participating in shared branching logos

Benefits of Shared Branching

Convenience: Enjoy the same level of service you’re accustomed to, no matter where life takes you.

Personalized Assistance: Friendly faces and helpful staff at shared branches are ready to assist you with your financial needs.

Full-Service Transactions: From deposits to loan payments, shared branching offers a wide range of services to meet your needs.

30,000 Fee-Free ATMs

We understand that access to ATMs plays a crucial role in your day-to-day financial transactions. That’s why we are proud to offer a network of over 30,000 fee-free ATMs nationwide.

Why Choose Our ATM Network?

Say goodbye to horrible ATM fees. Access your funds at any of our 30,000 ATMs without worrying about additional charges.

Nationwide Accessibility: Whether you’re on a road trip or relocating, our wide ATM network ensures you always have easy access to your funds.

Secure Transactions: Our ATMs are equipped with the latest security features, ensuring your transactions are safe and secure.

We believe in providing you with the tools and services to make your financial journey as smooth as possible. Explore the convenience of shared branching and our extensive ATM network – because no matter where life takes you, we’re here to help you thrive.

Truth In Savings Disclosure

TRUTH IN SAVINGS DISCLOSURE

Except as specifically described, the following disclosures apply to all the accounts.

Rate Information. The dividend rate, or interest rate, and annual percentage yield on your accounts are set forth on the reverse side. The annual percentage yield is a percentage rate that reflects the total amount of dividends/interest to be paid on an account based on the dividend/interest rate and frequency of compounding for an annual period. For Certificates of Deposit and IRA Certificates of Deposit, the interest rate and annual percentage yield are fixed and will be in effect for the term of the account. The annual percentage yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Nature of Dividends. Dividends are paid from current income and available earnings after providing for the required reserves. The dividend rates and annual percentage yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.
Compounding and Crediting. Interest and dividends will be compounded and credited as set forth on the reverse side. The dividend/interest period for each account is also set forth on our Rate and Fee Schedule. The dividend/interest period begins on the first calendar day of the period and ends on the last calendar day of the period.
Balance Information. The minimum balance required to open each account is set forth. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
Accrual of Dividends. Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account. Dividends will begin to accrue on noncash deposits (checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.
Account Limitations. The account limitations for each account are set forth in our Membership and Account Agreement
Your account will mature on the maturity date set forth on your account receipt or renewal notice.
Early Withdrawal Penalties. A penalty may be imposed if you withdraw any of the certificate funds before the maturity date or the renewal date, if this is a renewal account.
Amount of Penalty. For Certificates of Deposit and IRA Certificates of Deposit the amount of the early withdrawal penalty for your account is 90 days’ interest for a term of 12 months or less, and 180 days’ interest for a term over 12 months.
How the Penalty Works. The penalty is calculated as a forfeiture of part or all of the interest that have been earned on the account. This penalty applies to earned interest and principal.
Renewal Policy. Certificate of Deposit accounts will automatically renew for another term upon maturity. You have a grace period of seven days in which to change or withdraw the funds without being charged an early withdrawal penalty.
Exception to Early Withdrawal Penalties. At our option, we may redeem the account before maturity without imposing an early withdrawal penalty under the following circumstances:
- When an account owner dies
- or is determined legally incompetent by a court
- or other body of competent jurisdiction.
Nontransferable / Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner except obligations with the Credit Union.
FEES FOR OVERDRAWN ACCOUNTS. Fees may be imposed on each check, draft item, ATM card withdrawal, debit card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or payment of a check, draft or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approval limit. Please refer to the Rate and Fee Schedule for current fee information.

Checking Comparison Chart

Compare Checking Accounts

Preferred Checking

Clear Card

Second Chance Checking

Minimum Opening Balance

Suggested opening amount- $25

ID Safe Choice Charge Possible

Yes

Direct Deposit

Accepted and encouraged

Dividends Paid

Privilege Pay

Available after 90 days

Overdraft LOC

Available immediately, with approved credit

ATM/Debit Card

Instant Issue

Shared Branching

Available

Free Bill Payer