Checking Accounts

802 Credit Union offers you the best of both worlds when it comes to convenience and full-service opportunities. Our checking accounts have all the features you want in a checking account:

  • No monthly account fee
  • No minimum balance requirement
  • Mastercard® debit card
  • Free online banking
  • Unlimited check writing
  • Free eStatements
  • Free Bill Pay
  • Low-cost personalized checks that come in a variety of styles and colors


Overdraft Options

Transfer from Shares

All checking accounts are set up with automatic overdraft protection from your savings account. This means that if you overdraw your checking account, we will automatically transfer funds from your savings account to cover it, if the funds are available. You will be notified by mail if we must transfer to cover insufficient funds, and there will be a $2.00 fee associated with each transfer. To avoid this fee, you can initiate the transfer yourself via online banking or our 24-Hour Telephone Teller Service. You can also call one of our branches during regular business hours and have a staff member transfer the funds for you.

Overdraft Loan

We offer an Overdraft Protection Line of Credit. This special loan covers insufficient funds for a fee.  Please contact us for more information.

Overdraft Privilege

This service allows you to overdraw your account up to a set limit for a fee in order to pay a transaction. It is a convenient safety net that can save you both money and embarrassment. Accounts will be charged the standard overdraft fee of $25 for handling each overdraft created by check, ACH, point-of-sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $27 for items returned.