Having a fee-free checking account is easy with Direct
Deposit of your payroll check, retirement check or federal payments. Direct
Deposit not only saves you money, but it's also safe and convenient. Even if
you don't have Direct Deposit, select the $500 minimum balance option to avoid
service fee. Accounts without Direct Deposit or not maintaining a minimum
balance of $500 will be charged a monthly service fee.
Visa Check Card (debit card)
Paying with a VisaŽ Check Card is more convenient than carrying a checkbook;
your Check Card is accepted anywhere Visa is accepted. The purchase amount is debited from
your checking account, just like using a check. Your Check Card can be used as an ATM card at any
Allpoint, STAR or Cirrus ATM to withdraw cash from your savings and checking
accounts. Use the Allpoint Locator on our home page to find surcharge-free
Allpoint ATMs wherever you're headed.
What makes our debit card different? Our Check Card can also earn UChoose Rewards
points to redeem for gift cards or other items. You'll
earn 1 UChoose point for each net $2 spent on Check Card "signature" purchases―as
long as your current card is registered and you choose "credit"
instead of "debit" (PIN). Register online for this
rewards program at
earn points. (And if you receive a replacement Check Card, please make
sure to register your new card number so you can continue to earn
We provide duplicate checks in a variety of styles. Duplicate-style
checks make it easy to keep track of who the check was payable to,
the amount, and the date you wrote it. See the fee schedule for cost. The first set of 50
standard checks is supplied to you at no cost.
Overdraft protection is provided for all checking accounts as a
transfer from your Share Savings account. Only six transfers are
allowed per month; three may be generated by electronic (computer-generated)
transfer. If the electronic transfer is used, there is a fee. You can request a transfer in person, by phone or through our
Quick Check telephone teller. If you're not set up for
Quick Check, please ask for details at your branch.