SHAREDRAFT ACCOUNTS

No membership would be complete without the access and power of a checking account at U.P. State Credit Union. While others have balance requirements and other unwanted stipulations, we believe a checking account should be a breeze. Here’s why:

• No minimum balance requirements.
• No monthly or per check fees.
• Numerous check styles to choose from.
• Instant Cash Overdraft Protection up to $220.00 This means if you accidentally spend more than what you have in your account, we’ll cover you up to $220.00 and alleviate the embarrassment of bounced check fees.

Most of our members that have our checking also carry our Co-Op Network Debit Card. Accepted wherever you see the MasterCard logo around the world, this card has the convenience of a credit card yet the funds are withdrawn promptly from your checking account.

If you don’t have our checking account or our Co-Op Network Debit Card yet, apply today. What could be better than safe, easy access to your money anytime, anywhere?

BUSINESS CHECKING ACCOUNTS

U.P. State Credit Union welcomes businesses of all sizes to open an account with the Credit Union. Just like our regular sharedraft accounts, there is no added fees for a business account.

Business accounts are eligible for ATM cards, Overdraft Protection, and one of our two VISA cards. Like all members, business accounts have full access to home banking, online bill pay, and also have specialized business checks. Business accounts also earn dividends.

ATM CARDS

You won’t be making full use of your U.P. State Credit Union membership unless you carry the power of your savings or checking account in your pocket.

The free ATM card gives you 24/7 access to your money through our expansive network of free Co-Op Network ATMs. You can withdraw, deposit or even make a loan payment through our ATM system. You'll also have unlimited access to any of U.P. State Credit Union’s ATMs as well as ANY Co-op Network ATM.

ATM / DEBIT CARDS

Anyone with a checking account at U.P. State Credit Union should have a Co-Op Network Debit Card. Use the card for purchases anywhere MasterCard is accepted.

And here’s the great part – you’ll never receive a credit card bill at the end of the month! That’s because the money comes directly out of your checking account. Plus, your Co-Op Network Debit Card acts just like an ATM card, too!