Checking Accounts

 

Share Draft Checking

Credit Union Share Draft Accounts work just like a checking account only better. You receive dividends on your balance plus, there are no minimum balance requirements and no per check fees or services charges. In addition, overdraft protection is available from up to 5 Share Savings Accounts.

Once membership is established in the credit union, qualifying members may have a Share Draft Account opened. Members with a direct deposit only pay $12 per box of checks. Members without a direct deposit pay just $17 for a box of checks. Retired members with direct deposit of their pension check or social security receive checks FREE.

The credit union provides duplicate checks to help maintain accurate records. Canceled checks are not returned. Photocopies of checks may be obtained via online banking or at the credit union for a nominal fee.

Transaction Account

A transaction account is a share checking account without checks. Access your account with a debit card to make purchases online or in stores, ATM withdrawals, and electronic or ACH deposits and withdrawals. Transaction Accounts receive the same dividend rate as a Share Draft Checking on your balance. No minimum balance requirement.

*All members qualify for a debit card with a Share Draft or Transaction account*

Insured Money Market Accounts

Insured Money Market Accounts (IMMA) provide members with a greater return on their investment with accessibility to the funds. An IMMA earns a higher dividend than traditional Share, Share Draft or Transaction Accounts therefore require a minimum daily balance requirement of $2,500. Members can make withdrawals from their IMMA in person or write checks.

 

 

 

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