Share Draft Accounts (Checking)
Switch FCU offers simple, convenient, and affordable Checking Accounts. Plus, there’s no need to sift through the fine print. Our account is easy to understand and use with no minimum balance requirements, no monthly service fee, and an available safety net for inadvertent overdrafts. Funds can be transferred automatically from your savings using our FREE overdraft protection for members who opt in.
Benefits:
No monthly fees and no minimum balance requirement
Low-cost checks
Counter checks are also available if you forget to reorder. We can print them while you wait!
FREE overdraft protection will transfer funds from your Share (Savings) Account to cover checks or electronic payments if you opt in to the service.
Optional Courtesy Pay Service is a fee-based service available to help cover insufficient fund items up to $500. It is a convenient benefit that can help weather life’s unexpected expenses. Ask us for details.
24/7 Access:
Direct Deposit & Payroll Deduction – Automatic deposits and payroll deductions from participating employers will make managing your money easy.
Visa Debit Card- 24/7 access to the funds in your checking with no monthly fee. Set up alerts for debit transactions with the Card Suite Lite app!
Remote Banking – Monitor your checking account from your computer, laptop, tablet, or phone. Make transfers, check balances, even apply for a loan!
Free Online Bill Pay – Easy and automatic, you’ll never forget a payment again.
e-Statements – Receive your monthly statements quickly and securely online or via your mobile device, with no paper waste.
Save time and money and transact business on your terms!
Visa Debit Card
We are part of the Allpoint network, which provides access to surcharge-free ATMs. Look up over 55,000 surcharge-free ATMs worldwide. Our members can use ATMs inside most Target, Walgreens, CVS, and Speedway locations as well as many other local stores. Just look for the Allpoint logo on the ATM!
Lost/Stolen after normal business hours: 1 (888) 263-3370
Transaction review for fraud monitoring purposes: 1 (855) 961-1602
Courtesy Pay
Avoid the stress of declined payments or awkward account overdrafts.
Switch FCU provides a convenient safety net for your transactions through our helpful Courtesy Pay service. Checking account holders can enjoy automatic coverage and peace of mind!
Support for Your Financial Life.
When your checking balance is low, Courtesy Pay steps in to handle the transaction. This includes coverage for personal checks, debit card use, and recurring automatic payments. Rely on us to keep your payments moving.
Comprehensive protection – ACH items, Bill Pay, debit purchases, and checks are all included in this protection.
Versatile coverage – We offer up to $500 in available funds to cover your needs.
Cost-effective solution – A modest $30 fee applies per item, helping you bypass expensive returned check charges. Items are processed as they arrive, with a fee for each covered transaction.
Simple repayment – Clear your balance immediately or utilize a 30-day window to settle the account.
Sign-up process – After 90 days of positive account history, checking accounts are automatically enrolled unless you opt out. Please contact us to opt in for debit card coverage, which is a separate agreement.
Financial security makes a difference, and Courtesy Pay ensures you are protected whenever the need arises.