SHARE DRAFT CHECKING

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The account is FREE* with net check Direct Deposit or by maintaining a minimum balance of $200 in the account or $500 in a Share Savings account or Share Certificate.

• ATM/Debit card to access your account	• Your first order of checks is free
• No monthly fees	• No transaction fees
• Overdraft Advance up to $500 including $30 per draft	• Unlimited check writing
* $5.00 Monthly Maintenance Fee if minimum account requirements are not met or account is dormant for two years.

Share Draft Processing Reminder

All Share Draft processing (paper items and drafts) will take place before 3:00PM on the same day that they are received. Please make sure that all deposits are in your account before your drafts are processed.

Overdraft Advance Now Up To $500 On OFCCU Checking Accounts

A special program called "Overdraft Advance" for members ages 18 years and older with a personal share draft account open for at least 90 days is now active on your account. Overdraft Advance provides a cushion that will permit you to overdraw your account up to a maximum of $500.00, including a $30.00 fee for each item presented. By paying your overdrafts in this way, you eliminate the potential embarrassment of having a share draft returned and the unnecessary third-party fees.

How To Avoid Overdraft Fees: This may sound simplistic, but make sure that the money is credited to your account before you write your drafts. This can include automated payroll or retirement check deposits or deposits made at an ATM (especially on weekends). Drafts are clearing the system at record speed. At one time, there may have been a float. Don't count on it today or you'll end up floating in fees.

The best way to access your account balance is through Teller24 or HFS online services. There are no charges for using these services.

US Patriot Act requires Identity Verification on all new accounts. Equal Opportunity Lender