Checking Account

Checking (Share Draft) accounts in this Credit Union are subject to the requirements as follows and in such other terms and conditions as contained in the Share Draft Agreement as established by the Board of Directors of this Credit Union.

  • Members must have a Active Regular Share (Savings) Account and maintain a $50 Minimum Balance in that account at all times.
  • Members under the age of 18 must have a parent or legal guardian as a joint owner on an account.
  • Credit Union has the right to request credit information from the local credit reporting agency to reject opening a new account.
  • Only share drafts aproved by the Credit Union may be used to make withdrawals from this Account. You may also make transactions with your STAR / VISA Debit Card.
  • All non-cash payments received in this Account will be credited subject to final payment of such items.
  • The Credit Union is under no obligation to pay a share draft that exceeds the fully paid and collected share balance in this Account.
  • When paid, share drafts become the property of the Credit Union and will not be returned either with the periodic statement of this Account or otherwise.  Copies of such drafts will be provided, if requested, and the Credit Union may charge a fee for providing such copies. 
  • Upon closing an account you must return all unused drafts to the Credit Union.  (Do not destroy the drafts yourself.)  If this procedure is not followed a fee will be levied.  A one month period of inactivity from one statement to the following month statement is necessary before the release of the $50 minimum balance in the savings account. 
  • Checking Accounts receive monthly statements.
  • Initial $100 deposit to open a new account. 
  • No minimum balance must be maintained after the initial deposit but when you maintain $100 throughout the month you will have no monthly service charge and no per check charges.  If the the minimum balance falls below $100 at any time during the month a service charge will be charged at month end.
  • Check designs are available through the Liberty Check Printing company.  Prices vary according to the design.
  • The fees that pertain to checking accounts are listed under the FEE SCHEDULE or click here.