Checking Accounts

Tailored to fit member needs, our draft/checking accounts are not complicated by per check charges, transaction limits, and transaction fees.  We even issue Visa Check/Debit cards with these accounts without yearly fees. Choose the checking that’s right for you!

If you are making your first check order with Deluxe Check Printers or making your first re-order with Deluxe, please contact the credit union.  After your first Deluxe order or re-order you'll be able to order online.

Personal Checking Account Orders

Business Checking Account Orders
 

No Service Charge Checking

 

No Service Charge Checking
Opening Deposit: $50.00 Minimum
Minimum Balance: None
Service Charge: None
Dividends: None

View Rates View Fee Schedule

Classic Account

Members age 55 and above can enjoy the best of both regular and no service charge checking. The only charge for Classic Account Checks is the postage charge of $8.06 for check delivery.

Classic Account
Opening Deposit: $50.00 Minimum
Minimum Balance: None
Service Charge: None
Dividends: None

View Rates View Fee Schedule

Organizational/Club Accounts

We welcome the opportunity to serve the needs of organizations and clubs in our community.

Organizational/Club Accounts
Opening Deposit:  $50.00 Minimum
Minimum Balance: None
Service Charge: None
Dividends: None

View Rates View Fee Schedule

Business Checking

To suit the needs of our business members we offer business accounts.

Regular Business Checking

There are no transaction limitations. This type of account does not earn dividends.

Regular Business Checking
Opening Deposit: $50 Minimum
Minimum Balance: $500 Average Daily Balance to avoid service charge
Service Charge: $5.00 monthly 

 

View Fee Schedule

Overdraft Protection

To guard against costly fees and the loss of check acceptance, members can choose from several overdraft protection options.

Automatic Transfer

If there are insufficient funds in draft/checking, an automatic transfer is made from a designated share/savings account.  Automatic transfers are only done in $100 increments. However, there are transfer limitations.  No more than 6 automatic, Telephone, electronic or Internet transfers can be made in a month.

Overdraft Loan

Members can apply for a line of credit loan. If there are insufficient funds in the draft/checking account the loan is activated up to an approved credit limit. Interest is charged on the amount of credit used for the number of days the loan is outstanding. The interest rate for an unsecured overdraft line of credit is 16%. The minimum monthly payment of $25 is automatically transferred at the end of the month. The balance can be paid in full at any time. There is no yearly maintenance fee for this loan.

Courtesy Pay

Courtesy Pay is a form of overdraft protection that is activated when all other overdraft options have been exhausted. Courtesy Pay overdraws your account by the amount of the Share Draft/Check or  ACH transaction plus the fee. For Share Drafts the fee is $25 for each item or $50 per day. For example, if two items clear in one day the fee is $50 - $25 for each item. If three or more items clear in one day the fee is $50 – the daily maximum. For ACH Transactions the fee is $25 for each item or $50 per day. For example, if two ACH transactions clear in one day the fee is $50 - $25 for each item. If three or more ACH transactions clear in one day the fee is $50 - the daily maximum.

  • Certain requirements must be met before an account is qualified for Courtesy Pay.
  • Courtesy Pay can be suspended at any time at the discretion of the credit union.