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 More Information.
If you overdraw 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. 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.
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.
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.
Verified 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.
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.