Checking Accounts

Share Draft Checking Accounts

Share Draft Checking Accounts are offered at Northwest Hills Credit Union. These accounts offer the convenience of duplicate checks, which provides you with an immediate copy of the check for your records. Monthly statements are mailed, or eStatements are available to assist you in reconciling your account. Free Internet Banking and Mobile Banking allow you to access all of your accounts any time! 

Share Draft Checking:

  • No monthly service charges
  • No per-check fee
  • No minimum balance
  • FREE Internet Banking, Mobile Banking, and Bill Payer
  • VISA debit card
  • 4 FREE ATM transactions per month elsewhere
    • Transactions at NWHCU's ATM are always FREE!
Business Checking:

 Enjoy all of the advantages of our Share Draft Checking Account, for your business! 

Overdraft Protection
When applying to open a checking account, you have the option to sign for Overdraft Protection. This service allows the Credit Union to transfer funds from your savings account to your checking account if you do not have sufficient funds in your checking account to cover a transaction. There is a fee of $5.00 per transfer. There is no fee if you never use the Overdraft Protection service. However, if you do not sign up for this service, each check or ACH item that attempts to clear your checking account when there are insufficient funds will be returned as NSF and you will be charged a fee of $30.00 per returned item.

Courtesy Pay
Qualified members are provided with up to $500 to cover checks and ACH items bringing them into the negative. The balance must be brought back into the positive within 30 days to continue this service, otherwise Courtesy Pay will be shut off. There is a fee of $30 per check or ACH item that clears, but the member has peace of mind knowing their transaction cleared and they will avoid a fee from their creditor. Members may choose to opt out of Courtesy Pay if they do not want this service.

Instant Issue VISA Debit Cards
Thanks to our Instant Issue technology, your VISA debit card can be created at our branch and handed to you on the same day you place your order.

Payroll Deduction and Direct Deposit
For your convenience, we can easily arrange direct deposit of your payroll, Social Security, or other government checks into your NWHCU account, handle any type of electronic funds transfer, and make automatic payroll deductions for savings or loan payments. 

Stop Payment
If you wish to stop payment on a check, you may do so over FASTLine, with Internet Banking, or we must receive your request in writing listing the check number, date written, reason for the stop payment, and your signature.