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NCUA & Equal Housing

Checking Accounts (Share Draft)

USECU offers the best checking account in town!

Bullet Benefits:

  • No minimum balance requirement.
  • No monthly service charge or per check charge.
  • Unlimited FREE check writing privileges and teller transactions.
  • 1 FREE box of checks with Direct Deposit, many colors to choose from.
  • To reorder checks, log into your Home Banking account and select Reorder Checks from the "Your Home Banking Tab."
  • Visa® Check cards available.
  • Unlimited FREE ATM withdrawals from your checking account when performed at USECU-owned machines.
  • 5 FREE PIN based ATM withdrawals each calendar month from Share Draft account when performed at non-USECU machines.
  • 3 surcharge-free ATM networks, providing thousands of surcharge-free ATMs.
  • FREE FEDS Audio Response System
  • FREE Home Banking
  • FREE Bill Pay
  • FREE Mobile Banking
  • FREE Remote Deposit Capture

We call our checking accounts "share draft" accounts because when you deposit money in any USECU account, your deposits are actually "shares" in the credit union and your check is actually a "draft" - hence the name Share Draft Accounts.

Current Rates
NCUA Deposit Insurance