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Checking Accounts

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 a monthly 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" purchasesas long as your current card is registered and you choose "credit" instead of "debit" (PIN). Register online for this rewards program at to 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 rewards points.)

Check Styles

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.

Reorder checks online!

Overdraft Protection

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 free Quick Check telephone teller. If you're not set up for Quick Check, please ask for details at your branch.