Share Draft (Checking) Account

Checking account

Personal Share Draft (Checking) Accounts offer:

  • No monthly fee
  • No minimum balance
  • No monthly transaction fee
  • Unlimited check transactions
  • Ask for a “PEOPLES CHECK” Debit Card


  • A Personal Share (Savings) Account
  • You must be at least 18 years old

Additional Features:

Overdraft Protection Line of Credit (OP-LOC) –With OP-LOC, your checks (share drafts) are paid, even if you do not have sufficient funds in your  Share Draft (Checking) Account. You may apply for OP-LOCs up to $5,000.00. If you opt-in for this service, you will be assessed interests on the amount that you use.  Please see our Current Rates and Fees.

Debit Card Management – Protect your Debit Card from your phone with CardNav. Manage how, when, and where your card is used – on your own terms. CardNav allows you to set controls regarding the transaction types, geographic rules and the merchant types where you card can be used. Download the CardNav app at Android or Apple stores.

COOP ATM Network– Use your Debit Card everywhere in the world Master Card is accepted. Furthermore, use your card at more than 30,000 surcharge-free ATMs in USA to withdraw funds and check balances.

For additional information on other services and fees, please refer to the Credit Union Fee Schedule.

Contact our Member Service Representatives if you have additional questions at or 212-529-8197.

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