Checks and Share Drafts have become commonplace in modern life.

Checks and Share Drafts are identical in nature and purpose.  They are both negotiable instruments- that is, financial documents that represent cash and can be converted into cash upon demand.  In other words, they are as good and as valuable as cash; a safe, easy, accurate way to transfer money from one party to another. 

The St Joseph Valley Community Federal Credit Union

Checking Account not only allows you to use a paper document to pay for bills or consumer goods, but also has the ability to allow you to use the money in your checking account with the use of a VISA Check Card.  Your Visa Check Card allows you to make easy purchases anywhere that Visa is accepted and you do not need to write a check.  Paperless checking accounts are available today at your credit union.