Checking
Checking
Open a Share Draft Checking Account today and take control of your daily finances with confidence! Perfect for bill payments, shopping, or quick access to funds, it simplifies your financial life and reduces stress, making it an essential tool for your financial success.
Maximize your financial potential with our account features:
- No Monthly Fees
- No Minimum Balance Required
- Affordable Check Orders
- Convenient Automatic Bill Payment
- Easy Access with Online Banking
- Complimentary ABD Mobile App
- Free Master Debit Card
- Optional Overdraft Protection**
- Hassle-Free Check Reordering
- Free Check Copies with "It's Me 24/7" Online Banking
- Secure E-statements for your convenience
Discover the convenience and peace of mind with our Share Draft Checking Account, supported through the personalized service and community commitment of ABD Federal Credit Union. Easily manage and plan your household finances at affordable rates today!
Please visit the Credit Union to inquire about opening a Share Draft Checking Account.
** Courtesy Pay may allow certain account holders in “good standing" to overdraft 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—which is defined as: A) Making regular deposits sufficient to cover transactions; B) Bringing the account to a positive balance at least once every thirty days or less; and C) Having no outstanding legal orders on your account—we may, at our sole discretion, pay overdrafts up to the specified limits, including our normal Non-Sufficient Funds and/or Courtesy Pay charges. 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 not both. We will send you a 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 you choose to 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 repay all funds used in connection 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 payments 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 | |||
| † APY = Annual Percentage Yield. | ||||