At Local 804 Federal Credit Union, we help you Bank Smarter with a Checking (Share Draft) account that’s truly FREE. Plus, you’ll have access to all the convenience services and extras that make your life easier.

Banking with us is 100% Fee Free which means there are:

  • No minimum balance requirements to worry about
  • No per transaction or service fees hiding in the small print
  • No per check changes and no monthly service fees to pay

Benefits of the Checking (Share Draft) Account:

  • Free Online Banking and Bill Pay through our Virtual Branch lets you manage your accounts and make or schedule bill payments 24/7.
  • A Local 804 Federal Credit Union Visa® Debit Card with EMV gives you the convenience of making purchases, ATM transactions, deposits and more with one card securely. Chip Cards feature an embedded microchip that provides additional protection from fraud and unauthorized use.
  • Direct Deposit ensures your pay or government check is securely deposited into your account and ready when you need it.
  • Overdraft Protection provides extra peace of mind and guards against accidental overdrafts that can be costly and inconvenient. You can apply online for an overdraft or call 718-878-4624.
  • Starter Checks.

Your money is secure:

All of your Local 804 Federal Credit Union deposits are federally insured up to $250,000 by the National Credit Union Administration, a U.S Government Agency.

For Existing Local 804 FCU members: To open your Local 804 Federal Credit Union free checking account, stop by our branch location or call 718-878-4624.

If you’re not yet a member of Local 804 FCU: Your first step is applying to become a member of Local 804 FCU. Apply here.

Have you ever…

  • Made a mistake in balancing your check book ledger?
  • Had an unexpected emergency expense?
  • Forgotten to record a check, withdrawal or purchase?

Avoid the embarrassment of insufficient funds and insure the checks you write and your purchases are paid with overdraft protection services.

Our New Overdraft Privilege Program is a courtesy service provided to our members to avoid the embarrassment and additional charges associated with having a check and/or purchase returned to a merchant. You will be charged a $25 overdraft fee for each occurrence, but your check or purchase will be paid and not returned.  Overdraft privilege is limited up to $500.00 over the available account balance.  This service will be provided to all existing checking accounts and for new accounts open at least six (6) months and in good standing.

If your account reaches these limits, any additional unpaid checks will be returned and charged the overdraft fee.

If your account is enrolled for automatic transfer from your savings, the Overdraft Privilege program will only be used as the last resort. Automatic transfer will always be used in full before the overdraft protection program takes effect.

You may OPT-OUT at any time for this service. We do not authorize and pay overdrafts for ATM and debit card transactions unless you consent to these but you can Opt-In by signing the OPT-IN Section of the form and submit back to us by mail or via fax.  Our fax number 718-878-4623.

If you have any questions, please call us at 718-878-4624 or stop by the credit union office today.

Easy check ordering for your convenience.

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Overview

At Local 804 Federal Credit Union, we help you Bank Smarter with a Checking (Share Draft) account that’s truly FREE. Plus, you’ll have access to all the convenience services and extras that make your life easier.

Banking with us is 100% Fee Free which means there are:

  • No minimum balance requirements to worry about
  • No per transaction or service fees hiding in the small print
  • No per check changes and no monthly service fees to pay

Benefits of the Checking (Share Draft) Account:

  • Free Online Banking and Bill Pay through our Virtual Branch lets you manage your accounts and make or schedule bill payments 24/7.
  • A Local 804 Federal Credit Union Visa® Debit Card with EMV gives you the convenience of making purchases, ATM transactions, deposits and more with one card securely. Chip Cards feature an embedded microchip that provides additional protection from fraud and unauthorized use.
  • Direct Deposit ensures your pay or government check is securely deposited into your account and ready when you need it.
  • Overdraft Protection provides extra peace of mind and guards against accidental overdrafts that can be costly and inconvenient. You can apply online for an overdraft or call 718-878-4624.
  • Starter Checks.

Your money is secure:

All of your Local 804 Federal Credit Union deposits are federally insured up to $250,000 by the National Credit Union Administration, a U.S Government Agency.

How to get started

For Existing Local 804 FCU members: To open your Local 804 Federal Credit Union free checking account, stop by our branch location or call 718-878-4624.

If you’re not yet a member of Local 804 FCU: Your first step is applying to become a member of Local 804 FCU. Apply here.

Overdraft Protection

Have you ever…

  • Made a mistake in balancing your check book ledger?
  • Had an unexpected emergency expense?
  • Forgotten to record a check, withdrawal or purchase?

Avoid the embarrassment of insufficient funds and insure the checks you write and your purchases are paid with overdraft protection services.

Our New Overdraft Privilege Program is a courtesy service provided to our members to avoid the embarrassment and additional charges associated with having a check and/or purchase returned to a merchant. You will be charged a $25 overdraft fee for each occurrence, but your check or purchase will be paid and not returned.  Overdraft privilege is limited up to $500.00 over the available account balance.  This service will be provided to all existing checking accounts and for new accounts open at least six (6) months and in good standing.

If your account reaches these limits, any additional unpaid checks will be returned and charged the overdraft fee.

If your account is enrolled for automatic transfer from your savings, the Overdraft Privilege program will only be used as the last resort. Automatic transfer will always be used in full before the overdraft protection program takes effect.

You may OPT-OUT at any time for this service. We do not authorize and pay overdrafts for ATM and debit card transactions unless you consent to these but you can Opt-In by signing the OPT-IN Section of the form and submit back to us by mail or via fax.  Our fax number 718-878-4623.

If you have any questions, please call us at 718-878-4624 or stop by the credit union office today.

Order Checks

Easy check ordering for your convenience.

order checks

 

Check pricing

Checking (Share Draft) Account

$Zero Minimum Balance
  • Unlimited check processing
  • No minimum balances
  • No monthly maintenance fees
  • Local 804 Visa Debit cards now with “Prewards”