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.
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 minimum qualified balance of $2,500 automatically receive dividends monthly.
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 Checks Order Checks.
If you overdraw your account, this optional feature kicks in. Instead of getting charged a fee for bouncing a check, this 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. Repayment 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. To see the loan rate for this service please refer to the Signature Loan rates. Repayment of this loan is based on current balance of the loan: $25.00 per month for every $500 loan increment and will automatically be transferred to the loan monthly.
If you want us to authorize and pay overdrafts on your ATM transactions and everyday, point of sale, debit card transactions, at the standard fee of $29 per item, you will need to sign the consent form or call us to authorize.
For those who have a new or existing share draft account:
The VISA Debit Card can be used three different ways:
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.
Youth beginning at age 14 can qualify for a debit card with an adult co-signer.
Online shopping secured with Visa
Protecting you is our top priority. One way we do this is by preventing the unauthorized use of your card. During a purchase from a desktop, mobile or other digital device, you may be guided through an extra check to verify your identity. This helps us ensure you’re you and better protects you from fraud.
As a Family Credit Union cardholder, your online transactions are secured with Visa. Visa recently enhanced its security for online purchases making the experience more seamless and easy while protecting you from fraud.
Learn more about how it works at Pay with Visa.
Direct Deposit is the fastest, safest way to deposit traditional checks.
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.
For information on how to receive a wire transfer.