Checking

Checking Accounts

Checking Plus
Ultimate Advantage Checking
Money Market Checking
Student Checking
Checking Plus

With Checking Plus, you’ll enjoy no monthly fees, no minimum balance, and no minimum monthly debit transactions.

  • No monthly, quarterly or annual fees
  • No per check service charge
  • Overdraft Protection from savings & Loans (for qualified members)
  • Monthly statements
  • Direct Deposit & Payroll Deduction
  • e-Services
  • Daily card limits are $2,000 for purchases and $600 for ATM cash withdrawals.  Purchase limits may be temporarily increased during business hours.
Ultimate Advantage Checking

Ultimate Advantage Checking – Dividend Earning Checking Account

  • No monthly fees for average balances over $500.

  • No per check service charge

  • Overdraft Protection from savings & Loans (for qualified members)
  • Monthly statements
  • Direct Deposit & Payroll Deduction
  • e-Services
Money Market Checking

Money Market checking -Tiered Dividend Earning Checking Account

  • There is a limit of three (3) checks with an overall total of six (6) electronic withdrawals per month
  • The minimum check amount is $100
  • You’ll earn dividends when the daily balance exceeds the minimum. Rate structure is tiered upon the daily balance – Dividends are paid and compounded monthly
  • Minimum balance for dividends is $1,500
  • Rates are variable & subject to change
  • Fee Schedule
Student Checking
  • A free $25.00 GIFT CARD when the account is opened with a $50 deposit

  • Maintenance fee free checking until the age of 25. After the member turns 25, the account will convert to a Checking Plus account automatically.
  • NO fees whatsoever will be charged when using a Sharefax, PNC, Fifth Third, or Alliance One ATM. Surcharges may be charged by a machine owner not listed above when using their ATM. However, Sharefax will refund up to $20 per month upon request for Student Checking accountholders to cover surcharges accumulated at fee charging ATMs.
  • Free Mastercard/Debit card transactions when choosing the “credit” option at merchants
  • Free ATM inquiries (up to 4 per month – .50 per inquiry thereafter)
  • Free mobile check deposits
  • Free e-alerts & text alerts
  • Free B2B transfers
  • Free online check images
  • Online Bill Payer
  • Access to over 5,000 Shared Branching locations nationwide at which deposits & withdrawals may be made free of charge. This is a great perk when you’re at college!
  • 0.25% off an auto loan
  • Oops! Refund – One per quarter. We’ll cover one NSF fee per quarter!
    Contact us at (513) 753-2440 to request your refund within 30 days of posting.
  • The account must be signed up for e-statements and maintain a $5 deposit in a savings account.
  • Please bring a picture ID as well as a current student ID or approved current class schedule for an accredited school college or university.

Business Benefits Checking

Sharefax Credit Union knows that every penny counts when it comes to your business. That’s why we offer our business members multiple Checking Solutions options.

Included Services
Value Added Services
Getting Started
Included Services
  • Free Bill Payment
  • Free Online Banking
  • Free Internet Viewing of Checks
  • Free E-Statements
  • Free E-Alerts
  • Free Business MasterCard ATM/Debit Card
  • Free ATM Access at any PNC Bank ATM Machine
  • Free Notary Services
  • Courtesy Pay Program
Value Added Services
  • Business Credit Cards
  • Health Savings Accounts
  • Convenient Night Deposit Processing
  • Check Holds Waived on Deposited Items Less Than $1,500.00
  • Investment/401K Consulting
  • Prepaid Gift Cards
Getting Started
  • To learn more about which solution is right for your growing business, please contact our Business Benefits Team at a branch location near you today at (513) 753-2440.

* Account holder must maintain the Average Daily Balance requirement to qualify for Free Monthly Transactions. Transactions are defined as: checks paid, withdrawals, deposits, deposited items into shares of checking, bill payments, ACH debits and credits, over the counter transfers. Business accounts that request paper statements will be charged a fee of $2.00 per month.

Other Services

ATM/Debit MasterCard
Suspicious Activity Info
Courtesy Pay Opt-In
Order Checks
ATM/Debit MasterCard
  • A Combination of an ATM/Debit Card
  • The ability to use the Convenience ATM/Debit MasterCard FEE FREE* at any PNC bank ATM or SURCHARGE FREE at a JEANIE®, MoneyStation®, or PLUS® logo ATM.
  • No annual fee
  • Deposits are free
  • Find an ATM near you!
  • Daily card limits are $2,000 for purchases and $600 for ATM cash withdrawals.  Purchase limits may be temporarily increased during business hours.  

*There may be a nominal fee charged for withdrawals, transfers and inquiries.

Suspicious Activity Info

Sharefax Credit Union’s debit card processor, Vantiv, will send SMS/text alerts and pre-recorded voice (landline) messages to cardholders regarding suspicious Debit card transactions. If you have any questions regarding a message that you receive concerning your Debit card, please contact the Sharefax ATM Department at (513) 753-2440 ext. 5102.

Courtesy Pay Opt-In

Although usually unintentional, overdrafts can happen. When you don’t have enough money in your account to cover a transaction, we will pay the item if you qualify for Courtesy Pay and help you avoid additional NSF fees. Recent federal regulatory changes require financial institutions to obtain their members’ consent to continue Courtesy Pay Service for ATM withdrawals and debit card transactions. If you have an SCU checking account with a MasterCard Debit and would like to receive Courtesy Pay Service you must opt-in or you will no longer have this service available.

Order Checks

Need more checks?

  • Log in to online banking and select your checking account
  • Click on More Options and choose Order Checks

You can also contact a Member Service representative at 513-753-2440.

Minimum Balance Requirement

You must maintain a $50 in all of your accounts combined (savings, checking, savings certificate, etc.), or have an active loan or credit card with the credit union or you will be charged a low balance fee. You can find our full Fee Schedule here.