Share Draft Checking Overview

A share draft account with Avestar Credit Union makes managing your money easy. This economical account features:

  • No minimum balance
  • No monthly fee
  • No per item processing fee
  • Unlimited check writing
  • Free overdraft transfer protection
  • Free AllianceOne ATM access
  • Free online account access


Combined with our Debit Card, you have 24-hour access to your share draft account.

If your card is lost or stolen after normal business hours you must call 1-800-236-2442 to cancel your card.

Depositing Money

Make deposits in person, by mail, night deposit, through payroll deduction or direct deposit. You may also authorize automatic drafts from your share draft account to the payment of insurance premiums, mortgage payments, utilities etc.

Easy to Keep Records

Each check you write creates a duplicate copy of your purchases. With this money management system, you don't have to worry about forgetting to record a check. Each month, you'll get a statement of your account's activity to help you balance your checkbook.

Opening Your Account

How to Start:

Start your Avestar Credit Union Share Draft Account today. Simply fill out and return the attached application with your initial share deposit of $25. Members must be eighteen years of age, unless a parent or legal guardian is the approved joint owner of the share draft account. If you prefer, stop by the credit union and ask to speak to a member service representative.

Check out our Fee Schedule for a listing of fees associated with our share draft accounts. For information governing these accounts please see our Policy and Disclosure page.

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