Checking (Share Draft) Accounts
Take advantage of our checking (share draft) account. It's your alternative to the high fees and service charges at other financial institutions. You'll appreciate the savings and convenience.
- No monthly service charge
- No minimum balance
- No per-check fees
- Earn dividends on your account
- VISA Check Card/ATM Card
- Overdraft Protection
- Convenient Online Check Ordering
- Direct Deposit/Payroll Deduction Available
Dividends compound monthly and are credited to your account every month. The dividend rate can change monthly and is determined by the credit union board of directors. No minimum balance is required to earn dividends and no minimum balance fees apply. $20.00 is charged for every overdraft posted to your account. Overdraft protection is available from your regular share account. No transaction charges are implied if your share draft account is maintained in a proper manner.
The new Visa Check Card can also be used to make purchases through a signature transaction or withdraw with a P.I.N from your share draft account without writing a check.
Your checks are not returned to you, but are stored by our processor. Your monthly statement will show all drafts which have cleared in numerical order and any draft which may still be outstanding at the time of reconcilement. A legal front and back copy of your draft/check is available per request for a fee of $3.50 for each copy retrieved.