Checking
Checking
A Share Draft Checking Account is the ideal way to manage your household finances. It has many convenient features such as no per check fees and a low monthly fee which is waived with a maintained balance of $300 or more.
Please inquire at the Credit Union about applying for a share draft checking account.
Other Features:
- Inexpensive Check Orders
- Automatic Bill Payment
- Free convenient access with Online Banking
- Free ABD Mobile App
- Free Master Debit Card
- Optional Overdraft Protection**
- Easy Check Reorders
- Free Check copies through "It's Me 24/7" Online Banking
- Free E-statements
**Courtesy Pay may provide certain account holders in “good standing” with the ability to overdraw their personal share draft/checking account up to $500.00 (including fees). If the account has been open at least 90 days and maintained in good standing, defined as; A) Making regular deposits sufficient to cover transaction; B) Bringing the account to a 24 hour positive balance at least once every thirty days or less, and; C) There are no legal orders outstanding on your account, we may, at our sole discretion, pay overdrafts up to the limits mentioned above, including our normal Non-Sufficient Funds and/or Courtesy Pay charge(s). Whether we pay or return an item, your account will be assessed a fee, either as a Courtesy Pay charge or Non-Sufficient Funds charge but you will not be charged both fees. We will send you notice each time an overdraft occurs. You are required to complete the Courtesy Program Authorization Form to Opt-In or Opt-Out. If you Opt-Out, you will not be enrolled in the program. If choose to you Opt-In you agree that: I/We want the credit union to pay my/our overdrafts under the Courtesy Pay Program. I/We agree to re-pay all funds used in association with the Courtesy Pay Program. I/We agree to pay fees associated with this account as stated in the credit union’s fee schedule. No additional agreements need to be signed, and it costs nothing unless the privilege is used-by initiating share drafts, (ACH) electronic funds transfers, or other payment for more than what is available on deposit in the account.
Rates for Share Draft Checking
| Account Type | Minimum Deposit | Minimum to Earn Interest | APY† | Minimum to Avoid Charge |
|---|---|---|---|---|
| Draft Checking* | $300.00 | |||
| *No minimum balance is required; $2.00 monthly service charge. | ||||
| † APY = Annual Percentage Yield. | ||||