Share Draft (Checking) Account

Checking doesn't have to cost you a lot of time or money - Share Draft (Checking) is free. There's no monthly service fee, no ATM/Visa^® Check Card fee, and no minimum balance requirement. You'll always have around-the-clock access to your funds online, by phone, and through a nationwide network of ATMs.

The benefits of Share Draft (Checking)

• No monthly service charges.
• No minimum balance requirement.
• No fee for Visa^® Check Card purchases.
• Free CLIC Online Banking and Bill Payer.
• Free overdraft protection linked to your Savings, Line of Credit or Visa accounts.
• Free Courtesy Pay for qualified members.
• Free ATM Card or Visa^® Check Card with worldwide acceptance.
• No-surcharge ATM access through the nationwide CO-OP^® network.
• Convenient ATM access through the STAR^®, Armed Forces Financial Network, and Plus Networks.
• Your checking account if federally insured*

Overdraft Protection

Link your Checking Account to your Savings or Loan Account for practical overdraft protection. With your savings or loan as a safety net, you won't need to worry if a balance dips too low, and you'll never hassle with bounced checks. To learn more about Savings Accounts - click here.

Overdraft Line Of Credit

Get the freedom to borrow and the power to purchase the things you need, when you need them. The Overdraft Line of Credit is a pre-set amount You pay interest only on the line of credit used.

Courtesy Pay

Courtesy Pay is another overdraft option for qualified members. As a courtesy, Edwards FCU can pay for transactions written against an account with insufficient funds, up to $750. Click here for more details, see if you qualify, and give yourself one less thing to worry about!

Have your payroll, social security, or other regular check deposited into your account automatically. You'll never worry about your check sitting in your mailbox your car or at home. Direct Deposit is safer, saves you time, and gives you peace of mind.

Automatic Payments & Deposits With Payroll Deduction

Payroll deduction can automatically make loan payments or build your savings. You choose the deduction amount and which account the money is to go.

Dividend rates and Annual Percentage Yields are variable and subject to change.

For important information about dividends, terms, fees, penalties, and conditions associated with your Credit Union accounts, please ask for a copy of our Truth-in-Savings disclosure.

* The National Credit Union Administration (NCUA) a U.S. Government Agency regulates Edwards FCU and federally insures member accounts up to $250,000.