Details of the Share Draft Checking Account
The cancelled drafts are not returned to the member. We recommend that the member order duplicate drafts for this reason. The member will receive a free pack of 12 starter drafts on the date the share draft checking account is opened. The member should receive his or her regular draft order within 7-10 days after the order is placed. The charge for this draft order will be taken directly out of the share draft checking account by our check processor, Liberty Check Printers. The charge is noted on the top sheet of your draft order receipt.
It is very important that the member realize that the share draft checking account is separate from his/her regular share account.
Excessive overdrafts may result in the share draft account being closed.
The Debit Card is for Share Draft Accounts only. All Debit Card applications are subject to credit approval. A Debit card may be revoked at any time by the credit union. We offer the first 6 PIN based transactions free a month. After the first 6 PIN based transactions, there is a $1.00 fee for each withdrawal. There is a $1.00 fee for all denials. A $5.00 fee will be assessed each time a debit card needs to be reactivated. Deposits are not allowed. Fees charged by the ATM owner are not included in our fees. The fee ranges from $1.00 up to $3.00. We suggest trying to locate an ATM that does not charge a fee.
The following fees may or may not be assessed to your account:
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