NCCU offers many great share draft (checking) account options. All of our checking accounts offer:

• FREE Debit/ATM Card with access to over 5,000 surcharge-free ATMs
• FREE 24-Hour Member Information Attendant (MIA) 24-Hour checkbook balancing
• Immediate check copies duplicates (you can request that your canceled checks be returned - for a fee)
• Automatic transfer from share savings to cover overdraft
• Reorder checks online   

Premier Checking
Our Premier Checking Account is a great way to earn interest on your money and still have access to it. Check out our rates page for current information. Since this is an interest bearing account, dividends are calculated by the average daily balance method and are compounded and paid monthly.

• Minimum of $100.00 in a share account to open the account
• $5,000 minimum average daily balance required to earn the Premier interest rate
• $250 credit towards closing costs on any NCCU mortgage loan closing with an advance of $10,000 in new money.
• $50 credit towards closing costs on any new NCCU Home Equity Line of Credit
• One free box of checks each year for your Premier Checking Account
• No fee official checks (limit one per month)
• Free notary service
• No fee Travelers' Cheques up to $1,000/year
• $20 credit towards a safe deposit box rental
• Other exciting benefits! 

Preferred Plus Checking
Our Preferred Plus Checking is a great way to earn higher interest on your money and still have access to it. Check out our rates page for current information. Since this is an interest bearing account, dividends are calculated by the average daily balance method and compounded and paid monthly.

• Minimum of $250.00 to open the account
• Minimum balance of $2,500.00 to earn interest
• 15 checks can clear your account free each month (15 cents for each additional check)
• No fees unless your balance falls below $2,500.00 at any time during the month, then a $6 fee is applied
• 3 free money orders per year

Preferred Checking
Our Preferred Checking is a great way to earn interest on your money and still have access to it. Check out our rates page for current information. Since this is an interest bearing account, dividends are calculated by the average daily balance method and are compounded and paid monthly.

• Minimum of $100.00 to open the account
• Minimum balance of $1,000.00 to earn interest
• 15 checks can clear your account free each month (25 cents for each additional check)
• If your balance falls below $1,000.00 at any time during the month, then a $4 fee will be applied
• Free 24-hour Member Information Attendant (MIA) and Online Banking (OLB)   

Advantage 60
For our senior members, age 60 and over, we offer a variety of Free Services. We have a special program just for you, known as Advantage 60. Check out some of the benefits you will receive:

• 2 FREE box of Advantage 60 checks per member each year
• Reduced fees for travelers cheques
• Reduced fees for money orders
• And more 

Student Checking
If you are a student looking to start taking control of your own finances open your checking account with Northwoods Community Credit Union.

• First 50 Student Checks FREE
• FREE Debit/ATM cards
• FREE 24-Hour Member Information Attendant (MIA) and Online Banking (OLB) 

Basic Checking
Our NCCU Basic Checking account offers you the opportunity to maintain a free (no service charge) checking account that is hassle free!