Switch Kit

It's easy to move your accounts from another institution! Click here for easy to fill-in forms or call your local office for assistance.

The Checking Account -- also called a Share Draft Account -- is easy to use and  features the following convenient benefits:

• Free first (full) order of checks
• No minimum balance
• No monthly service charge and no per check charges
• ATM Visa Check Card with unlimited credit transactions
• No-Surcharge ATM Sites
• Free Internet and Telephone Account Access
• Free Online Bill Payment
• Personal Line of Credit Overdraft Protection

Sun Federal's Share Draft Account is accessible 24 hours a day online through the use of SunTouch 24 Account Access and the ATM Visa Check Card. Line of Credit Overdraft Protection is available and encouraged for peace of mind and to protect your account from being overdrawn.

Open a Checking (Share Draft) Account today at any Sun Federal branch.

Reorder Your Checks

View the Rate & Fee Schedule for details.

Click here for a printer-friendly version.

Step One: Locate your current checking account balance online or from your last statement.

Log into SunTouch 24 online account access on the home page of our website to find out your online checking account balance.

Enter your current checking account balance here:

$

Step Two: Enter all deposits not shown in your checking history.

Review your checkbook register to see if there are deposits that have been made but that are not shown online, enter one per box below.

Note any interest which may have been added to your account on the Account History screen. If there is Interest, add it into your check register.

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Step Three: Enter all outstanding items not shown in your checking history

If there are any checks, or purchases not shown, enter each one separately in the "Outstanding Item" boxes below. If you have more than eight, you will need to combine them. Also, enter any fees (example: ATM fees) that do not appear in your history. Then deduct any fees shown on your SunTouch 24 history screen from your check register.

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Step Four: Enter your checkbook register balance
Enter your balance from your checkbook register. Verify that the totals in the Deposit and Withdrawal boxes match the totals from steps two and three. Now click on the Balance Checkbook Button.
 

Checkbook Register Balance	$
Total Deposits	+
Total Withdrawals	-
Adjusted Balance	$
Difference	$

This balance should match the balance in your checkbook register. If not, check your math and the entries in your checkbook register. If it still doesn't match, make sure the dollar amount of each item in your register matches the same item on your statement. Then, compare your register with deposit slips and your statement—maybe you forgot to record something in your register. If the difference between your register and statement is a whole number, check your addition and subtraction.

"I'm really glad that I've got the Overdraft Privilege! My paychecks don't always get to the credit union when they should. You know, maybe I'm traveling or under the weather and can't get to the branch. I usually have enough in my account to cover all my checks, but sometimes I need a little extra coverage. Knowing that Sun Federal will pay my checks gives me peace of mind. When I need it, it's always there!"

What is the Overdraft Privilege?

• A financial resource that can cover
  your overdraft checks
   
• A convenient response to your
  unexpected financial needs
   
• A valuable enhancement to your
  relationship Not a promise, but a privilege,
  to you our member!

We can save you the expense and embarrassment
of having your checks returned. The Overdraft Privilege does just that..

As long as you maintain your account in good standing, Sun Federal may elect to pay your overdraft checks
rather than returning them unpaid.

You will be charged service fees for insufficient funds as appropriate. Checks that are paid through the Overdraft Privilege enable you to avoid the additional expense of another fee charged by the business to whom the check was returned.

How can I get the Overdraft Privilege?
You do not have to do anything other than keep making your deposits — what could be easier?

What happens if I make mistakes?
We have a program for you to be able to continue to use your checking account with us while you cover your overdraft amount. We want to keep you as a member and to help you repay any outstanding amount. Ask one of our Member Service Representatives about how we can help.