Enjoy the convenience and benefits of our Share Draft/Checking Account: 

No Per-Check Charges First 50 Checks free with first paid order No Monthly Service Charge* No Minimum Balance Overdraft Protection (Optional) Direct Deposit/ Payroll Deduction Quarterly Dividends Paid (Certain Restrictions Apply) Toll-free 24-Hour Bank-by-Phone System Free Electronic Bill Payment from HEFCU Checking VISA Debit Card Exclusive No-Surcharge Access to 2,000 ATMs in NJ (55,000 nationwide) ** Convenience of 31 Shared Branch locations in NJ (1,800 locations nationwide)

**HEFCU fees may apply.  Refer to HEFCU Rewards schedule.

VISA Debit Card
Leave your checkbook at home.  Our VISA Debit Card works just like a check, except theres no check to write.  Simply present it as you would a credit card, sign the sales slip and you're on your way!  Your purchase amount is automatically deducted from your credit union Share Draft/Checking Account.  Better yet, there's NO check acceptance problem wherever you go.  Our VISA Debit Card is accepted virtually everywhere!

Your VISA Debit Card is actually two cards in one.  It can also be used as an ATM card.  You can withdraw cash, make deposits, verify account balances, and transfer funds between accounts worldwide!

Deposits Made Easy
You can conveniently make deposits to your Share Draft/Checking Account in person, by mail, and with our Direct Deposit or Payroll Deduction services.  You can also make deposits with your VISA Debit Card at any ATM location.

Experience The Difference
Don't delay, sign up for your Share Draft/Checking Account and VISA Debit Card now to begin saving time and money.  Complete and mail the application with your initial deposit of $25.00 or more, or stop by the credit union today! 

 Note:  A $10 balance must be maintained in a Share Savings Account at all times.                                       All new accounts are verified via ChexSystems, Inc.