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Whether you open a Regular Sharedraft or Premium Sharedraft account, you will enjoy all of the conveniences that come with being a member! It’s all about choosing the option that best fits your lifestyle.

REGULAR SHAREDRAFT – No monthly service charge, no minimum balance required.

PREMIUM SHAREDRAFT – $300.00 minimum balance required.  If at any time during the statement cycle the balance falls below $300.00, an $8.00 service charge will be applied on the last day of the statement cycle.   Checks are free for members ages 55 and over on the Premium Sharedraft account.

Both Types of Checking Accounts Offer These Member Conveniences:

  • Free Home Banking
  • Bill Pay
  • MasterCard Debit Card
  • MARS (Members Automated Response System)
  • Overdraft Privilege*
  • Courtesy Pay**

*Overdraft Privilege is a link to the savings account to cover sharedraft transactions for a fee of $5.00 per transfer.  There are only three automatic overdraft transfers allowed per month.

**Courtesy Pay is a standard overdraft practice that is offered to all member share draft accounts in good standing, if authorized by the member.  With courtesy pay, your check, ATM withdrawal, Debit Card purchase or other electronic debit items may be covered by the credit union up to the limit of $200.00.  You will be charged the standard NSF fee of $28.00 per item.  You will receive notification when an overdraft occurs on your account and you will be expected to deposit adequate funds to bring your account to a positive balance within 30 days.  Fees could reduce the earnings on account. Some exceptions may apply.