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.