Checking

Student Checking

  • The account holder must be between the ages of 16 and 25 with a current student ID or approved current class schedule for an accredited school college or university.
  • 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 minimum balance requirements
  • 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 one (1) box of checks (120 checks) per calendar year
  • 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.
  •  A free t-shirt when the account is opened with a $50 deposit
  • 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.

Checking Plus – Free Checking

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

  • 100 basic checks free per year
  • No monthly, quarterly or annual fees
  • No per check service charge
  • No minimum balance requirements
  • Overdraft Protection from savings & Loans (for qualified members)
  • Monthly statements
  • Direct Deposit & Payroll Deduction
  • e-Services
  • Sweep Account options

Ultimate Advantage Checking – Dividend Earning Checking Account

  • No fees for falling below the minimum balance for dividends
  • No monthly, quarterly or annual fees
  • No per check service charge
  • No minimum balance requirements
  • Overdraft Protection from savings & Loans (for qualified members)
  • Monthly statements
  • Direct Deposit & Payroll Deduction
  • e-Services
  • Sweep Account options

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

ATM/Debit MasterCard

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

Suspicious Activity Info

Sharefax Credit Union’s debit card processor, Vantiv, will begin sending 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 a 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.

 

 
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