Share Drafts (Checking) Credit Unions refer to checking accounts as Share Draft Accounts. We offer share draft accounts to members of the Credit Union who are 18 years or older.*   A Share Draft account is a dividend earning checking account. Deposits may be made by payroll deduction, mail, ATM, or at one of our CURTs locations. You may also arrange direct deposit of social security or other income checks received on a regular basis.   Easy & Accurate A duplicate is made as you write your share draft, making it easy to keep an accurate accounting of your balance - a check (share draft) register is also provided for your convenience. A monthly statement showing deposits, share drafts that have cleared, and your account balance will be sent to you giving you a complete, permanent record for your budgeting and income tax purposes.   We do ask our members to use reasonable care in safeguarding their share drafts. If share drafts should be lost or stolen, or unauthorized  use made of them, please notify the Credit Union promptly so protective measures can be taken.   Share Draft Advantages at Rite Choice Community FCU No Monthly Service Fees No Minimum Balance Effortless Deposits with Payroll Deduction Dividends Paid Monthly on Average Daily Balance Automated Transfers from a Line of Credit or Share Accounts (overdraft protection) Monthly Statements No Fee for Phone Transfers ATM cards available to access your Share Draft Accounts 24 hours a day VISA debit cards allow access to your share draft funds at any merchant displaying the VISA logo   * Teen Options Account holders may be able to open a share draft account with parental approval.

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