A share draft account lets you pay your bills by mail just as you would
with a checking account. You can use share drafts to pay for purchases
as you make them without the risk of carrying cash. Our Share Draft
accounts have no hidden costs. If you haven’t already, you should take
advantage of this key service offered at the credit union.
Your checking account gives you...
Stark FCU can provide you with this added
benefit because we are a not-for-profit organization formed and
dedicated to providing you with every financial benefit possible. We’ve got a good deal for you!
Why Check Anywhere Else?
You can deposit or withdraw from your checking account 24 hours a day,
nationwide with your Cash
& Check Card at any automatic teller displaying the STAR logo.
Have you ever run short of
funds just before payday or when you have an unexpected expense? Relax!
You deserve consideration.
Rather than automatically
returning you overpaid non-sufficient funds, we will consider, without
obligation on our part, payment of your reasonable overdrafts up to
$500.* You don't have to do anything special or sign any
additional documents to qualify for this discretionary overdraft
service. And, if you never need or use the service, it costs you
nothing. But, if you ever find yourself a little short on money,
or have an unexpected financial need, we will consider, as a courtesy,
the payment of your overdraft items up to your assigned Overdraft
We will charge our normal
overdraft fee for each item we pay for you. This can save you the
embarrassment and any additional charges caused by returned
checks. Just ask any of our Member Service Representatives for
Stark FCU is committed to
helping members avoid overdraft fees. We try to limit overdraft
charges by taking the following steps:
We offer free
emergency overdraft protection from
savings up to 6 times month. Available funds will be
transferred from the primary savings account automatically to cover
check and debit card transactions. Click
here for more information.
We allow a $15 grace
amount before a fee is charged. This helps eliminate the
"$40 cup of coffee" scenario. That is, we try not to
charge a overdraft fee that might have resulted from a small
We cut the number of
possible overdraft charges to a maximum of six (6) fees per
day. Most financial institutions have a maximum of eight
(8) per day.
Email and text
Of course, the best defense
against overdraft fees is to carefully balance your checkbook and pay
close attention to check and debit card usage.
Click here for disclosures.