Premium Sharedraft  No monthly service charge, no minimum balance required. 

Regular Sharedraft  $300.00 minimum balance required.  If at anytime during the statement cycle the balance falls below $300.00, an $8.00 service charge will be applied on the last day of the statement cycle.   Checks are free for members ages 55 and over on this type of sharedraft account.             

Both checking accounts have the following conveniences:

•     Free Home Banking

•     Bill Pay

•     MasterCard Debit Card

•     MARS (Members Automated Response System)

•     Overdraft Privilege

•     Courtesy Pay

*Courtesy Pay is a service that is automatically provided to all member share draft accounts in good standing.  Members have the right to opt-out of courtesy pay.  With courtesy pay your check, ATM withdrawal, Debit Card purchase or other electronic debit items may be covered by the credit union up to the limit of $200.00.  You will be charged the standard NSF fee of $20.00 per item.  You will receive notification when an overdraft occurs on your account and you will be expected to deposit adequate funds to bring your account to a positive balance within 30 days.