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Share Draft/Checking Accounts

Fulton Teachers' Credit Union offers an excellent Share Draft/Checking Account Program. We offer the following options:

Prestige Checking

  • FREE checking for members with a beacon credit score of 640 and above
  • Members age 55 and over
  • Members 18 - 23 years old
  • Direct Deposit preferred
  • First box of checks FREE
  • Dividends paid on average balance of $500 and above for the month. Dividends earned are posted monthly. See the rates section for our current Share Draft Account rate.
  • FREE ATM/Debit VISA check card. The ATM/Debit card can be used wherever the STAR/PLUS/CREDIT UNION 24/ALLPOINT/PRESTO Networks are accepted. There is no charge by the credit union for using your ATM/Debit card.
  • FREE online banking with NetBranch
  • FREE online Bill Pay
  • FREE overdraft protection from share account

Advantage Checking

  • Members with a beacon score of 580 - 639
  • $7.00 month service fee
  • Service fee waived if the account balance stays above $300 for the entire month
  • Dividends paid on average balance of $500 and above for the month. Dividends earned are posted monthly. See the rates section for our current Share Draft Account rate.
  • FREE ATM/Debit VISA check card. The ATM/Debit card can be used wherever the STAR/PLUS/CREDIT UNION 24/ALLPOINT/PRESTO Networks are accepted. There is no charge by the credit union for using your ATM/Debit card.
  • FREE online banking with NetBranch
  • FREE online Bill Pay
  • FREE overdraft protection from share account

E-Checking

  • Members with a beacon score below 579 or who have been reported on Chex systems and paid outstanding debt.
  • $12.00 per month service fee
  • Direct deposit required (some exceptions apply)
  • No checks issued
  • Dividends paid on average balance of $500 and above for the month. Dividends earned are posted monthly. See the rates section for our current Share Draft Account rate.
  • FREE ATM/Debit VISA check card. The ATM/Debit card can be used wherever the STAR/PLUS/CREDIT UNION 24/ALLPOINT/PRESTO Networks are accepted. There is no charge by the credit union for using your ATM/Debit card.
  • FREE online banking with NetBranch
  • FREE online Bill Pay
  • FREE overdraft protection from share account

It's easy to switch. Click here to download our Switch Kit to get started.

The NetBranch and Express Line Teller provides 24 hour access to your account information which allows the tools for easy balancing of your account.

As you can see, there are many benefits and advantages to having a Share Draft Account with Fulton Teachers' Credit Union. Compare the costs of your current checking account to ours and you will see that we offer a true savings. Simply click here for an application. You must first open a share/savings account to have a share draft account.

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