Share Draft (Checking) Account

Checking Account

Our checking account is designed to meet your needs with around the clock access to your funds.  Our accompanying Visa® Debit Card offers access to over 55,000 surcharge free ATMs.

  • First Order of 40 Checks Free

  • No Minimum Balance Required

  • No Monthly Service Fees

  • Unlimited Check Writing

  • Monthly Statements

  • Visa Debit Card Available

  • Reorder Checks

Visa Debit Card

Use your Visa Debit Card in place of a check.  You can pay with your card quickly and conveniently at millions of merchant locations worldwide that accept Visa.

Your Visa Debit Card allows you to conduct up to 10 transactions per day.  You may conduct a maximum of $1,000 per day signature-based purchases by selecting "Credit."  You may conduct a maximum of $510 per day between ATM withdrawals and PIN-based purchases by selecting "Debit."  There is a $1,000 per day maximum transaction total, of which no more than $510 may be ATM withdrawals and PIN-based "Debit" purchases.  Your limits will reset each day (7 days a week) around 3 PM (EST).  Transactions processed using the Visa Debit Card may take up to 48 hours to update to your credit union account.  This processing time also applies in reverse to Online Banking/Phone/Office transactions before they are updated to the Visa Debit Card system. 

ATM Access

Access over 55,000 surcharge free ATMs.  View a listing of surcharge free ATMs for withdrawals on the STAR network at  Click on “Find an ATM.”  Then select the box "Surcharge free ATM," enter a zip code and click "Search."  Additional surcharge free ATMs are available on the Allpoint network at

Surcharge free ATMs that also accept deposits can be found at  Click on “Find an ATM.”  Then select the box “STAR Shared Deposit,” enter a zip code and click “Search.”

Purchases & Cash Back

Withdrawals for purchase transactions are made from your share draft account and overdraft protection does not apply.  If you need cash back, some STAR Point-of-Sale (POS) terminals allow cash back after your purchase.  It's just like using one of the available 55,000 surcharge free ATMs, as there are no transactions fees.  Just select DEBIT/ATM on the store terminal when paying for the purchase and request cash back.  The POS transactions will also be deducted directly from your checking account.

Purchase Alerts

Get free email alerts from Visa for signature transactions in real-time for your Credit Union Visa Debit Card and immediately identify potentially fraudulent activity.  Verify your card eligibility and register your email at today.  Customize transaction alerts to fit your needs when your Visa card is used for purchases over a certain dollar amount, online, over the phone, or for outside the United States.

Report a Lost or Stolen Visa Debit Card

Contact FirstEnergy Choice Federal Credit Union during business hours at 1-888-462-2328 or 1-800-523-4175 after business hours.