If you write a share draft (check) or have bills electronically withdrawn for your draft and there is not enough to cover the withdrawal:
|Rates Effective as of January 1, 2019|
*All rates are expressed as ANNUAL PERCENTAGE YIELD (APY). Terms and limits are subject to change without notice.
We offer ATM and MasterCard Debit Cards. You must have a share draft (checking) account to have a debit card. Both cards can be used to make deposits, withdrawals and transfers at an ATM.
If you lose your card, want to dispute a transaction or missed a call about suspected fraud on your card call 1-855-710-3060. They can also help you when we are not available, however they do not know your account balances. They can only help with card issues.
Don't forget you can use your card in the Cashback Mall to earn even more cash back on your purchases.
When you have a valid share draft account you may also use the card to make purchases. There are restrictions and limits on your cards for your protection.
We recommend using it for signature purchases, meaning no PIN needed, just your signature:
You may use your PIN to make a purchase:
Yes, we do have courtesy pay and you may have opted in, however that does not guarantee a transaction will be approved for the amount requested if it is over your available balance.
The opt-in form is available here
We are currently on the MoneyPass networks. These networks do not charge a fee for your transaction on their machines.
If you are a Federal employee and setting up a direct deposit on Employee Express, please remember there are two options:1. Financial Allotment
For any direct deposit, you will need: our routing (ABA) number: 222079754 and your account number.