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Our checking accounts, also known as share draft accounts, are free. No hidden fees. No minimum balance requirements. Plus, our checking accounts feature a number of additional perks:

  • No monthly service charge.
  • No per check charge.
  • Every balance, no matter how small, earns quarterly dividends. Check out last quarter’s dividend.
  • Automatic overdraft protection.
  • Direct deposit available.
  • No charge on pre-authorized automatic drafts.
  • No-fee ATM services for three transactions per month.
  • No-surcharge ATM service using the CO-OP surcharge-free ATM networks.
  • Free point-of-sale transactions using VISA Debit Card.
  • Low service fees.


To apply, download and complete the application form and return to any of our offices

Share Draft Application