Share Draft Account

view the free share draft account application

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

  • No Per-Check Charges
  • No Minimum Balance
  • No Monthly Service Charge*
  • 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 your HEFCU SDA
  • VISA Debit Card available
  • Apple, Google, and Samsung Pay
  • Exclusive No-Surcharge Access to 2,000 ATMs in NJ (55,000 nationwide)**
  • Access to shared branch location in NJ and nationwide

**HEFCU Fees may apply, refer to HEFCU Rewards schedule (PDF – new window/tab) for more information.

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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 SDA/Checking and VISA Debit Card now to begin saving time and money.

Complete and mail the VISA Debit Card application (PFD – new window/tab) with your initial deposit of $25.00 or more, or stop by the credit union today!

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



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Verified by VISA

Leave your checkbook at home.  Our VISA Debit Card works just like a check, except there’s 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 interest to pay, NO ID hassles, and NO check acceptance problems 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!

Please click here for our Checking Account/VISA Debit Card application (PDF – new window/tab) (in order to have a VISA Debit Card, you must maintain an active Share Draft Checking Account).

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Note:  If you are traveling outside of the United States, please call us in advance at 1-800-624-3312 to have uninterrupted access to your HEFCU credit card for the dates you will be traveling!

Effective April 4, 2008, Visa will charge a 0.8% international transaction fee for international transactions when Visa is not required to perform a currency conversion to U.S dollars. A 1.0% international transaction fee will be charged when Visa performs a currency conversion to U.S dollars.