Share Draft (Checking)

Using drafts (the Credit Union lingo for checks), this account operates as a regular checking account. The following services are included: 

  • No monthly maintenance fees
  • First order of checks included
  • Free digital banking, including:
    • Online banking with bill pay
    • Free mobile banking
    • Free e-Statements
  • Free debit card
  • Nationwide Shared Branching via the Allpoint ATM network
  • $25 minimum deposit to open

If you opt in, we tie your share draft account to our member privilege service.

At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be a costly and potentially embarrassing experience.

At UBI Federal Credit Union, we do not encourage overdrafts. As always, we encourage you to manage your finances responsibly, however, we want to save you from the additional merchant fees and possible damage to your credit history that might result if a check is returned.

That's why we provide "Member Privilege", a special overdraft service for UBI Federal Credit Union's members.