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Checking Accounts

Checking Accounts (Share Draft Accounts)


With a minimum deposit of $100 you can open a FREE checking account at Southwest Heritage Credit Union. There is no monthly service charge and as a valued member, you also receive:


  • FREE – Real-time Home Banking

  • FREE – Online Pay Bill Payment

  • FREE – ATM transactions at nearly 30,000 ATMs nationwide

  • FREE – Debit Card Transactions

  • FREE – Check Imaging Retrieval on Cleared Checks

  • FREE – Transfers between accounts

  • FREE – Direct Deposit and Payroll Deduction

  • Courtesy overdraft privileges up to $500 (subject to account eligibility and restrictions)


Visa Debit Cards – Southwest Heritage Credit Union now offers real-time debit cards. They are available to all members with a share draft account. Visa debit cards work just like a credit card and can be used anywhere that Visa is accepted. Transactions are debited directly from your share draft account in real-time. There is no charge from the credit union to use your debit card.


  • Withdraw funds from your share draft accounts

  • Make POS (Point-Of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept VISA

  • Order goods or services by mail or telephone from places that accept VISA

  • Purchase amounts are limited to the dollar amount in your checking account

  • You may make a total combined fifteen (15) VISA Check Card purchases and cash withdrawals in any one day from ATM machines

  • You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account


ATMs – With a Southwest Heritage Credit Union checking account you have access to any ATM; however, Credit Union owned ATMs located in Midland, Odessa and Andrews, as well as almost 30,000 ATMs nationwide that are part of the Co-Op network, may be used FREE of charge. Locate a Co-Op ATM here.


CUTI-Audio Response (24-Hour Telephone Teller)* – Our automated teller gives you the freedom to carry-out your financial transactions anywhere, anytime. Here’s what you can do by phone:


  • Withdraw funds from your share and share draft accounts

  • Transfer funds from your share and share draft accounts

  • Obtain balance information for your share and share draft accounts

  • Make loan payments from your share and share draft accounts

  • Determine if a particular item has cleared

  • Obtain tax information on amounts earned on share draft accounts or interest paid on loan accounts

  • Verify the last date and amount of your payroll deposit.


*You will need a PIN number to use our CUTI service. Please visit one of our three convenient locations to get signed up.

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