Share draft accounts (often called Checking Accounts) are offered to qualified members that have an existing share account.   Open your checking account from now until November 31st and get your first box of checks free!  No minimum balance after initial   deposit.  No monthly or annual fees for our   basic Share Draft Account  Duplicate checks for easy balancing.   Overdraft Protection offered to qualified   members.   Free checks for members age 55 AND   retired.   Dividends paid monthly to accounts   maintaining a $2,000.00 balance  Free Debit Card  Free Home Banking  Bill Pay - 1st 3 months free    thereafter a $5.00 a month service charge Because We Care We offer a  Fresh Start Checking Account. $10.00 Monthly Service Charge Cover Overdrafts with automatic transfers from your share account. 12 months with no overdraft and account in good standing and you will switch to a regular account. To help you get back on your feet and back on track we offer FREE service  to all our members from  Balance Financial Fitness Program.    Ever wonder where your money goes?  Downloand this Fritter Finder and you will see EXACTLY where it goes in one week. Download here Need to make out a budget  but don't know where to start.   Download Budget Form