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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 quick and easy because you don't have to write a check and then wait for approval. Your Check Card is also accepted by any merchant who accept Visa. Members with our checking account may be eligible for a Visa Check Card which can be used as an ATM card at any Allpoint, STAR or Cirrus ATM to get cash from your savings and checking account.

Our Check Card also earns 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). The purchase amount is still debited from your checking account, like using a check. Register online for this rewards program at

Check Styles

We provide you with duplicate checks in a variety of styles. Duplicate style checks provide a convenient way to keep track of who the check was payable to, the amount, and the date you wrote it. Check Safekeeping eliminates the need for you to store cancelled checks; photocopies of checks are available if needed. See the fee schedule for cost. The first set of 50 checks are 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 more details at your branch. Remember, only six transfers are allowed each month.

A line of credit loan is available for checking overdrafts up to $500 per account; click here for the current rate. Submit an application and verification of income for approval; call or visit a branch for details. Funds are transferred in increments of $100.