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Checking/Share Draft Accounts

NCFCU Member's Share Draft (Checking) Accounts

A Niagara’s Choice FCU checking account gives you the freedom to manage your money, your way. Access your account anytime, anywhere with online banking, our mobile app and in branch. Once you have opened a NCFCU savings account, you can add your checking account with just a $1 minimum deposit.

  • No monthly service charges
  • First order of 50 checks is free
  • Instant issue debit cards available at most branches gives you immediate access to you funds
  • Use your debit card surcharge free at all NCFCU ATM’s and most 7-11 locations
  • Free online banking and mobile app to help manage your money
  • Remotely deposit checks into your account through our mobile app
  • Set up a payroll transfer directly to your checking for easy and safe deposits
  • Set up free bill pay through online banking
  • Co-Op Shared branch network – use any shared branch location or shared branch ATM
  • Checking accounts are available to members age 16+ (under 18 will need a parent or guardian as joint owner)


Open you checking account in branch or online here


Mastercard® Debit Cards

With a MasterCard Debit Card, the purchases you make are deducted directly from your Checking Draft Account, track your purchases in real time via online and mobile banking. Since it’s not a credit card, you don’t need to worry about paying interest. Plus, it’s safer than carrying cash. Simply swipe your card, select ‘credit’ and sign your receipt – it’s fast and easy!

You can use your Debit Card to make withdrawals, deposits, and transfers anywhere you see the MasterCard logo and you can access your accounts surcharge-free through the CO-OP Network with over 5,500 machines nationwide.

Debit Cards

It’s your money and it should stay that way. That is why we try our best to reduce or eliminate common fees you will see on Niagara’s Choice Debit Cards. Below is a list of features we offer in association with our Debit Cards.

  • A Niagara’s Choice Debit card offers convenient access to your account.
  • Use your card without fees when making withdrawals or transfers at our ATMs, and most 7-11 stores.
  • Find ATMs HERE:
  • Unlike most banks, we do not assess a fee if you use ATMs not operated by Niagara’s Choice; although it’s likely you will be charged a fee by the financial institution or business that owns/operates the machine.
  • With a debit card, you don’t need to carry as much cash or your checkbook

Debit Card Contact numbers:

  • Activation: 1-866-985-2273
  • PIN Now: 1-866-985-2273
  • Customer Service: 1-855-710-3055
  • Lost/Stolen: 1-855-710-3055

*Members need to call the lost/stolen number to file any disputes or fraud claims.

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