Checking Accounts

What is a Share Draft Account?

A Share Draft Account is a personal checking account that requires no minimum balance, charges no monthly check fees, and offers overdraft protection from other share accounts and/or an Overdraft Protection Loan.

Share Draft Account Quick Facts:

• No minimum balance
• No monthly check fees
• Overdraft Protection available
• Free VISA® Check Card for members 
• Free Bill Pay on It’s Me 247 Online Banking

Area Federal Credit Union pays dividends on personal share draft accounts.

Business Checking

Area Federal Credit Union offers three levels of Business Checking. Much like Share Draft Accounts, a Business Checking account requires no minimum balance and offers the same overdraft protection.

Business Checking Quick Facts:

• No minimum balance required
• Overdraft Protection available
• Free VISA® Check Card for members
• First 100 checks deposited for free
• Free Bill Pay on It’s Me 247 Online Banking

Compare our Business Checking accounts below.

Effective as of 1/1/70

Monthly check deposit fees are based on quantity.

Effective as of 4/1/21

101-499	$0.07 per check
500-1999	$0.06 per check
2000+	$0.05 per check