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Share Draft (Checking) Accounts

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A Share Draft Account is a transaction account which works in the same manner as a bank checking account. Applications for share draft accounts are available through a Financial Services Representative or teller. An initial deposit is required by members who do not have Direct Deposit to cover the first order of drafts. No other minimum deposit is required at any other time.

You may choose to apply for a Share Draft Account WITH or WITHOUT overdraft protection. Overdraft advances are made in $100.00 increments, up to a maximum of $1,000.00. A minimum payment of $40.00 per month is required.

You may apply for a Share Draft Account here now by clicking the "Launch" button on this page and logging into e-Branch, by filling out an application at one of our branch locations, or contacting our call center at 888.252.8932.

Click here for information on how to get access to your money faster and avoid check holds by using Direct Deposit.

Click here for information on a Heritage Family ATM/ Debit Card.

Click here for information to see how you can avoid costly Non-sufficient Fund Fees with an overdraft line of credit.

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