Checking

SHARE DRAFT CHECKING ACCOUNTS

A Share Draft Checking Account works like a bank checking account, but with fewer and lower fees. Accounts can be accessed “24/7” with a Debit MasterCard® for cash withdrawals and purchases.

With Overdraft Protection by Transfer, a Share Draft Checking Account can be linked to a Share Savings Account to help avoid embarrassing and costly “NSF” fees. For only $5.00 per transaction, available funds from a designated Share Savings Account can be automatically transferred to cover shortages in a Share Draft Checking Account.

Most recurring payments or deposits can be set up electronically using a Share Draft Checking Account. Railroad Retirement, government payments and even your cable bill can be set up electronically, saving you time and money. The credit union’s Routing & Transit Number is: 2515-8400-3.

Standard Share Draft Checking

• Unlimited check writing.
• ACH Direct Debit or Deposit available at no charge.
• Debit MasterCard® available to qualifying members.
• Online Bill Pay available with no monthly fees and no transaction fees.
• A $500 minimum daily balance is required to earn the stated Annual Percentage Yield for the dividend period. A $500 minimum daily balance is required to avoid the $5.00 monthly service charge.

Essential Share Draft Checking

• Unlimited check writing and no monthly service charges.
• ACH Direct Debit or Deposit available at no charge.
• Debit MasterCard® available to qualifying members.
• Online Bill Pay available with no monthly fees and no transaction fees.
• No minimum daily balance requirements.

Elite Share Draft Checking

• Earn a preferred Annual Percentage Yield.
• Free Debit MasterCard® with no transaction fees.
• Receive one free order of standard checks per year.
• A $3,500 minimum daily balance is required to earn the stated Annual Percentage Yield for the dividend period. A $3,500 minimum daily balance is required to avoid the $7.50 monthly service charge.