Checking accounts make sense in a digital era, even if paper checks are not as common as they used to be. Also called a share draft account, FOCUS Credit Union checking accounts are a convenient landing place for your paycheck or direct deposit, and are connected to a free debit card to make purchases or withdraw cash from thousands of convenient shared network ATMs.

FOCUS Credit Union has two types of share draft checking accounts to meet your needs. Both enjoy unlimited check writing with no per-check charges and are eligible for a Debit/ATM Card.

Regular Checking 

At FOCUS Credit Union, members should always be earning benefits, whether their financial stake is large or small. We offer a flexible checking account with a minimum balance requirement of only $25.00 dollars. This account earns a dividend on all balances over $25.00, which is compounded and paid monthly. Only if the account falls below the minimum at any time during the month would a $5.00 fee be assessed.

Green Checking

In keeping with our commitment to looking out for each other, FOCUS Credit Union offers you a way to take care of our world, even in your choice of checking account. Less paper in the mail — more in your wallet. This account features e-statements, debit card, free online account access, free online bill pay, and free checks. 

The positive impact doesn’t stop there. We want to help you help others, so the free checks available will include a donation to an affiliated charity. Plus, the higher dividend for this account will be donated to a charity of your choosing. Making Dividends, Make A Difference. Green checking is available to any member 15 years and older. 

Pocketnest With Pocketnest inside online banking, you get personal, bite-sized coaching through every area of financial wellness — from budgeting today to planning for tomorrow.

No jargon. No fees. No appointments. Just your phone, a few minutes a week, and a plan crafted for you.