Share Draft (Checking) Accounts

An NCFCU checking account is an excellent money management tool. Unlike most financial institutions, our checking account has no per check charges and no monthly service fees. The only charge with a Credit Union checking account is based on the style of checks you order. You earn dividends on an average minimum monthly balance of $1,000. And, monthly statements are provided for convenient account reconciliation. All checks are truncated, which means you don’t get checks with your statement. But, if necessary, copies of checks can be obtained at a minimal fee.

Overdraft Protection

Overdraft Protection transfers available funds from your savings account to the checking account when a check arrives for payment and does not have sufficient funds in checking. Overdraft transfers may be used 3 times a month, at no charge. If three transfers have occurred in any month, transfer attempts after that will cause the check(s) to be returned for non-sufficient funds. When checks are returned for non-sufficient funds, a return item fee is charged.
Patriot Act Notice


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.

We require a copy of your photo driver’s license or other photo identifying documents.

Proceed to Membership Packet Request