• No monthly service charges
  • No per-check charges
  • No minimum balance

To open a share draft account at the credit union, you must be 18 years of age or older. Deposit to your Share Draft Account the same ways you deposit to your Share Account. Withdrawals may be made through Trans Action Line, at the credit union, or by using our ATM/Debit Card. Use it in any ATM displaying the NYCE or Cirrus logos. A $1 fee will be assessed for each ATM transaction.

No Fee Cash Back

CHCU debit cardholders may use their debit card at many retailers and request cash back at the point-of-sale. Just select debit and enter your PIN. No fees and no need to make a special trip to the ATM.

Surcharge-free ATM Withdrawal with Allpoint!

CHCU is a member of the Allpoint ATM network with over 55,000 Surcharge free ATMs Worldwide.

Click on the Allpoint link below to locate an ATM near you!

Allpoint & 7-Eleven - Start savings today!


Load your CHCU DEBIT CARD onto your Apple or Samsung Mobile Wallet and leave your card at home. When you’re ready to make a purchase, look for the contactless symbol, pull out your phone, then TAP and GO! It’s SAFE, SECURE, and FAST.

Mobile Wallet

CardValet® App for CHCU Debit Card

CardValet® is a mobile card management app that allows you to take control of your CHCU debit card. With CardValet you have the ability to see transactions in real-time, “turn-off” your debit card when not in use, establish transaction spending limits and decline a transaction when the amount exceeds a pre-defined threshold.

Smartphone mobile alerts can be customized based on the types of information you would like to receive. For example, a cardholder can set up an alert to be notified when a card is used, when a transaction is approved and exceeds any of the permitted use policies, or when a card transaction has been attempted but has been declined based on the parameters established.

More Info

Debit Card Instant Issue

At CHCU we recognize the inconvenience of being without a debit card, that’s why we offer same-day debit card issue. Whether it’s a new account or a replacement card due to theft or loss, we’ll issue you a new functional temporary debit card on the spot at the branch. A permanent chip card will follow in the mail. Ask us about this option when you need a new card.

Personalized Debit Card PIN

We all know it’s easier to remember our PIN if it is meaningful to us. Now you can assign your own personal PIN for CHCU’s debit card, eliminating the need to remember a random number.

Call 1-800-757-9848 to change your PIN.

Overdraft Protection

Hand-in-hand with your Share Draft Account, we offer overdraft protection, which automatically transfers funds from your savings account to your share draft account in the event that you bounce a check. For more information call the CHCU Credit Union.