Products & Services

Share Draft Checking Account

This account acts as a safe depository for funds and allows for the convenient payment of obligations upon the written instructions (checks) of the depositor.

• No monthly service charge
• No minimum balance required
• No per check fees; $25 fee if a member writes an NSF check; $5 fee if a member deposits an NSF check; excessive NSF's may result in the closing of the account
• $2,500 minimum balance to earn dividends; dividends are calculated daily and paid monthly
• Checks styles may be single copy or duplicate copy; checks are not returned but are listed by number and amount on the monthly statement; check copies can be obtained for a fee
• Overdraft protection is available: $2 fee if automatically transferred from Share Savings or Money Market to cover NSF checks; no fee is charged if automatically transferred from Line of Credit; maximum of six transfers a month from Share Savings or Money Market is allowed and unlimited transfers from a Line of Credit
• Deposits and withdrawals may be made through direct deposit, night deposit, mail, Touch-Tone Teller, ATM, ACH and in person
• 24-hour access to funds through ATM, Touch-Tone Teller, checks and Point of Sale (POS)
• Variety of attractive check designs
• Dividends rates are set by the Board of Directors monthly