Members who have established a Share Account can enjoy the convenience of a KSCFCU Share Draft (Checking) Account.

Our Choice Checking program features three types of accounts, the Classic, the Elite, and Select. Decide which account best suits your financial needs. All checking accounts offer FREE Online Banking, FREE Billpayer, FREE ShuttleTalk (Audio Response System) and FREE ATM/Debit Card.

Select the one that's right for you! For your convenience, use the Switch Kit that can be located at the bottom of any page on this website.

The Classic:

• No minimum balance required
• No monthly service charge
• Earns no dividend
• No per check charge

The Elite:

• A minimum daily balance of $400 must be maintained in order to avoid an Elite draft fee of $6.
• A minimum daily balance of $1,000 must be maintained in the account each day to obtain the disclosed annual percentage yield.

The Select:

• Available for members who have completed the Get Checking Course at Consumer Credit Counseling Services (CCCS). Certificate of completion required. See separate disclosure for fees associated with this account.

Overdraft protection

• Provided at $4 per overdraft. If you overdraft your account, funds will be automatically transferred from your Share Account to your Share Draft Account in $50 increments. In accordance with Regulation D, the number of preauthorized transfers is limited to six per month or statement cycle.

Courtesy Pay

• Any eligible member with an overdraft may be protected with Courtesy Pay. Only Share Draft (checks) will be paid through Courtesy Pay. The Courtesy Pay privilege will be activated only if the funds were not available through the overdraft transfer. See separate fee disclosure for costs associated with this service.

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