Share Draft Checking

Share Draft

For personal and business use.

  • Your service charge can be waived if you are 55 or older, are the primary member, have direct deposit, and you notify us of your eligibility.
  • Dividends (interest) are paid to your account when your balance is $300.00 or more.
  • Your statement will be sent to you each month. We encourage the use of duplicate checks (carbonless) as the original checks are not returned with your statement. Copies of the originals are available at a minimal charge.
  • Gold Club members require direct deposit of retirement or payroll funds to receive 150 free checks per year.
  • Direct Deposit services are available for Social Security, ACM Pensions, other pensions and payroll.

Money Market

For personal and business use.

  • A $1,000 minimum balance is required to earn the money market rate. Dividends (interest) are credited to your account monthly.
  • If your balance falls below the minimum balance a $2 monthly service charge is assessed and your dividend rate will drop to the share draft (regular checking) rate. Dividends (interest) are not paid on those days your balance is less than $300.
  • Your statement will be sent to you each month. We encourage the use of duplicate (carbonless checks) as the original checks are not returned with your statement. Copies of the originals are available at a minimal charge.
  • Gold Club members require direct deposit of retirement funds to get 150 free checks per year.
  • Direct Deposit services are available for Social Security, ACM Pensions, other pensions and payroll.
  • Debits (decreases) to your Money Market Share Draft Account are limited to 5 per month. Any debit (decrease) in excess of 5 per month will result in a $5 charge per additional debit.

Overdraft Protection

Overdraft protection is available on both Share Draft and Money Market Share Draft accounts. In the event your balance drops below $0 your overdraft protection credit line will cover your overdraft, thus avoiding overdraft charges. All overdraft protection credit lines are loans requiring credit approval. Ask a credit union loan officer for details.