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Checking

% Rates

To report a lost or stolen debit card, call 563-388-8328 or after business hours and weekends, 800-472-3272

Regular Checking

A no frills, day-to-day share draft account with no minimum opening deposit, no minimum balance requirements, unlimited check writing, no-per check charges and NO monthly fee.

  • Check prices vary per style and are in duplicate form
  • Statements are received monthly

Premium Checking

If you are one who tends to keep a high balance in your share draft account, then make the most of it. This is the same as our regular checking, but accounts that maintain the qualified balance of $2,500, automatically receive dividends monthly.

Reorder Checks

You will need your “Control Number” to order online. This number can be located on the reorder form inside of your box of checks.  Reorder here.

Overdraft Protection

If you overdraft your account, this feature kicks in. Instead of getting charged a fee for bouncing a check, overdraft protection will provide you with an instant loan. If the ‘loan’ is paid off quickly it is usually much less expensive than the bounced check fee. Repayments amounts depend on the amount being transferred and will deduct automatically from your checking account.

Overdraft protection is a type of loan. You must apply for and be approved for a line of credit to use this service.

Overdraft Consent

Consent and important information regarding overdrafts and overdraft fees.

To Authorize and Pay Overdrafts on ATM and Everyday Debit Card Transactions, please call 563-388-8328.

Visa Debit Card

To report a lost or stolen debit card, call 563-388-8328 during business hours: Visa Debit Card Lost Stolen Hotline – After Business Hours 800-472-3272

For those who have a new or existing share draft account:

  • You must have an open checking account to have the debit card.
  • There are no monthly fees to own a debit card and never a fee to use the card for a Visa signature purchase.

The VISA Debit Card can be used three different ways:

  • To access ATMs
  • To make purchases when the card is swiped or inserted at a merchant terminal
  • Use the card number for pre-authorized monthly debits

For your protection, daily limits have been established. If you should come upon a situation that requires a temporary extension of the limits, please call a local office.

  • $500 daily ATM withdrawal
  • 20 total uses per day between ATM and purchases
  • $1,000 signature base maximum
  • No international transactions will be allowed until you call the credit union to authorize each transaction

Youth beginning at age 14 can qualify for a debit card with an adult co-signer.

Verified by Visa

visaVerified by Visa protects your existing Visa card with a password that you create. This gives you the assurance that only you can use your Visa card online.

  • Activate your card and create your personal password
  • Added confidence that your Visa card is safe when you shop at participating online stores
  • Click on the symbol to enroll for this free service

Direct Deposit and Payroll Deduction

Direct Deposit is the fastest, safest way to deposit traditional checks.

  • Sign up for Direct Deposit through your employer. Take this form to your payroll department
  • Social Security, pension and other government checks are electronically deposited

Payroll Deduction is a service where you decide how much to deduct from your paycheck for accounts here at the credit union. Have it deposited directly into your savings or checking accounts, or apply it to a loan.

Wire Transfer

For information how to receive a wire transfer

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