Checking Accounts

We offer four different types of checking accounts designed for your lifestyle in mind. We can help you choose the account that will best fit your needs. 

Basic Checking

  • No minimum balance
  • No monthly or annual service charges
  • No per check processing fees
  • Duplicate checks
  • ATM/debit card
  • Unlimited check writing
  • Easy account accessibility with E-statements, ATMs, 24-hour phone and online banking
  • Make deposits in person, by mail or direct deposit
  • Automatically deduct pre-authorized withdrawals such as mortgage, insurance, loan and utility payments
  • Overdraft protection and overdraft advance services to save you the hassles, cost and embarrassment of returned checks — with automatic transfer from your savings to your checking account
  • Overdraft protection to save you the hassles, cost and embarrassment of returned checks — with automatic transfer from your savings to your checking account

Advantage Checking

  • Minimum balance of $1,000 is required — if your balance falls below $1,000, a service fee per month will apply
  • Free cashiers checks
  • Discount of $3 per year on safe deposit boxes
  • Save on consumer loans with automatic payment
  • Dividends on your balance
  • Easy account accessibility with E-statements, ATMs, 24-hour phone and online banking
  • Make deposits in person, by mail, through payroll deduction or direct deposit
  • Automatically deduct pre-authorized withdrawals such as mortgage, insurance, loan and utility payments
  • Overdraft protection and overdraft advance services to save you the hassles, cost and embarrassment of returned checks —   with automatic transfer from your savings to your checking account

Rebate Checking

Earn a rebate representing 2% of your average daily balance. Here is all you need to do:

  • Register for online banking
  • Sign up for monthly E-statements
  • Complete at least 15 debit card transactions per month
  • Receive at least $250 in direct deposits each month
  • Refer to important disclosures below*

FreshStart™ Checking

At Shoreline Credit Union, we understand that mistakes happen. It is time to forget the past and move forward. Our FreshStart Checking Account is designed for those members who deserve a second chance and cannot open a checking account elsewhere. Fees and other charges may apply.**

  • No minimum balance
  • ATM/debit card, online banking, E-statements and bill pay.
  • May improve your Qualifile Score, which is like a Credit Score, but for deposit accounts
  • Design a payment plan for unpaid closures or other outstanding debt that is potentially harming your credit
  • Enjoy convenient access to cash, including direct deposit and ATM access

Disclaimer

*Rebate Percentage. 2% rebate on balances between $0 and $5,000 and 0% rebate on balances exceeding $5,000 each cycle the minimum requirements are met, which are performing at least 15 debit card transactions (ATM transactions excluded), receiving an E-statement and have Direct Deposit set up with this account. Rebate and ATM refunds will be paid in the form of a credit to the Rebate Checking Account. If you use an ATM not within Shoreline’s network (Foreign ATM), and are charged a fee for usage, we will refund up to $5 per month. Any earned rebate will be credited to your Rebate Checking Account monthly. If you do not meet the requirements per cycle, your account will still function as a Rebate Checking Account earning 0%, and it will not receive ATM refunds for that time period. We may change the rebate rate at any time after the account is opened. Available to personal accounts only. Fees could reduce the earnings on the account. Membership required. Rates and terms are subject to change without notice.
Rebate accrual: Shoreline Credit Union will use the average daily balance when calculating the rebate earned for the statement cycle. When all of the Rebate Checking requirements are met, your rebate earned will be 2% of your average daily balance for the month and foreign ATM fees up to $5 will be given in the form of rebate credit (which will be posted to your rebate checking account). If any of the requirements are not met, your account will not receive a rebate. All requirements will be reset at the beginning of each month.
Closing of account: If you close your account before the end of the month, no rebate will be earned and you will lose all rebate accrued to that point.
Rebate credit: Your rebate earned balance will post monthly to the Rebate Checking Account
**FreshStart Checking. If any of the conditions of this product are not met during one calendar month, you will have until the close of business of the last day in the subsequent month to re-qualify. Failure to re-qualify or notify the Credit Union may result in account closure. Account is primarily for those with a derogatory credit history. If your ChexSystems reports an unpaid checking or savings account closure, you will be required to set up a repayment plan at the time of account opening. The plan will include paying off the closure in one year or less. The payments you make every month will go into a separate savings account, to be paid by Shoreline Credit Union to the financial institution reporting a closure at the end of the agreement. If the terms of the payment plan are not maintained, the account will be closed. If there are no unpaid closures, no payment or savings plan is required. This account does not pay dividends. The account does not include check writing privileges. Overdraft Advance is not available with this account. If the account becomes overdrawn, it may be subject to closure by the Credit Union. A fee of $9.95 is assessed at the last day of each month. Although there is no minimum balance, a deposit sufficient to cover the first month’s fee is required at account opening. Available to personal accounts only. Membership required. Rates and terms are subject to change without notice.

Check reorder

To reorder checks, please click here.

If you are interested in checking accounts, contact us to schedule an appointment.