Checking / Share Draft


ORDER YOUR CHECKS!Click here to enter the secure check reorder form. SCU will not be responsible for checks printed incorrectly elsewhere.

The Shipbuilders Credit Union checking account features:

  • Debit Card

  • FREE Online Banking & Bill Pay

  • FREE E-Statements

  • 24 Hour Electronic Teller

  • FREE Mobile Banking

  • No service charges

  • No check processing fees

  • Unlimited check writing

  • No minimum balance

  • Interest earned on $100 or more, paid monthly

  • Ability to set up pre-authorized drafts for insurance and other debits.

If overdraft occurs and the funds are available for transfer from your basic savings account, Shipbuilders Credit Union will make that transfer and you will be protected from any overdraft charges. Effective January 1, 2019, a $3 Overdraft Protection fee will apply for each automatic transfer. We encourage members to avoid fees by monitoring their accounts online or via the mobile app and make transfers themselves.


BUSINESS CHECKING

SCU’s FREE Business Checking (non-interest-bearing account) includes:

  • Debit Card

  • FREE Online Banking & BillPay

  • FREE E-Statements

  • 24 Hour Electronic Teller

  • FREE Mobile Banking

  • Merchant Processing

  • No monthly minimum balance requirement

  • No monthly maintenance fee

  • Deposit Bag is provided

  • No check processing fees

  • Unlimited check writing

  • Ability to set up pre-authorized drafts for insurance and other debits.

Depending on the type of account, information beyond what is needed for a regular checking account may be required.


Regulation D Limits

A Maximum of 6 transfers from share savings to share draft allowed per month; this includes ACH debits or credits, overdraft transfers or telephone transfers.