Checking
We sometimes call them Share Draft accounts, but make no mistake - Two Harbors Federal Credit Union has everything you want in a checking account... and more. Choose the account that's best for you:
Share Draft
Avoid fees and maximize your access:
- No monthly fee, No minimum balance requirement
- No-fee Visa Debit Card (with EMV chip and Visa Secure)
- Free online and mobile account access
- Unlimited check writing and ATM transactions
- Flex Cash – a safety net for your checking account (available upon qualification)
- Opt in to Privilege Pay, an added safety net for your checking account (available upon qualification)
Share Draft Plus
Checking with a return:
- Earn dividends on your balance with a qualifying minimum balance
- No monthly fee with a qualifying minimum balance
- No-fee Visa Debit Card (with EMV chip and Visa Secure)
- Free online and mobile account access
- Unlimited check writing and ATM transactions
- Flex Cash – a safety net for your checking account (available upon qualification)
- Opt in to Privilege Pay, an added safety net for your checking account (available upon qualification)
WHAT IS FLEX CASH?
You don’t always need a safety net, but it’s nice to know it’s there. Flex Cash is a line of credit attached to your THFCU checking account that advances automatically in the event you overdraw your account. Flex Cash covers the transaction (without charging Non-Sufficient Funds fees) with enough to take your account to a zero balance. Then, you can pay off your credit line in installments and at a much more relaxed pace, per the terms of the loan agreement.
Better still, you don’t have to wait for Flex Cash to automatically advance. You can also access the credit line directly, transferring funds to your checking or savings account in increments of $100. Funds can be transferred with a quick phone call or anytime using our digital banking service.
Ready for the added flexibility of Flex Cash. Start your application by clicking here.
CheckRight
Opening your first checking account? Had difficulty with checking in the past? CheckRight is an online, self-study module that teaches how to:
- Open an account
- Write checks
- Make deposits
- Reconcile your account
- Create a spending plan
