Share Draft Checking

Our Share Draft Checking Account offers you the savings and convenience necessary to economically manage your financial needs.

Your FREE Checking benefits includes:

  • No monthly service fees or charges
  • No minimum balance requirement
  • Daily dividends, compounded quarterly, on daily balances of $250 or more
  • Duplicate copy of checks
  • FREE overdraft protection
  • Easy-to-read monthly statements
  • STAR with PLUS ATM access
  • Assorted gift checks 

More Choices with Overdraft Protection

In addition to protection from your savings account,* you can avoid overdrafting your Share Draft Checking account with a pre-established line-of-credit. This will cover insufficient funds presented to your share draft checking account, so you will avoid bouncing a check.

You have the choice as to how you wish to set up your overdraft protection:

  • Overdraft to Loan Account ONLY
  • Overdraft to Loan Account then to Share Account
  • Overdraft to Share Account then to Loan Account
  • Overdraft to Share Account ONLY

Establishing Overdraft Protection from a line-of-credit is easy. Just complete a Share Draft Agreement with Overdraft Protection form and put a check in the box to overdraft from a loan.

For a line-of-credit that allows recurring access to available funds whenever you need it, just complete a loan application. And, best of all, you will make payments only on the amount you use.

For more information on Overdraft Protection, contact a Member Service Representative, stop by or call the credit union office.


(*Share Savings Account transfers are limited to six transfers per month as per Federal Regulation D).