The Check Clearing for the 21st Century Act, or Check 21, allows financial institutions to convert paper checks to electronic substitutes to speed their movement through the check processing system.What does this mean for you? It means your checks may clear faster so beware. For example, a check that used to clear your account in five days may now clear in just three. For greater control over your account, sign up for free Internet Banking now. And consider opening an Eliteline (see below) overdraft line of credit.

• unlimited check writing
• NO minimum balance requirement
• NO monthly service charge
• NO per-check fee
• FREE Visa Debit Card
• FREE 24-hour toll-free K-9 Line audio teller access
• easy-to-read monthly statements
• direct deposit and payroll deduction
• overdraft protection
• easy-to-store carbonless duplicates
• same-day online posting – no more 2 P.M. deposit cutoff
• easy access to canceled checks

Safer than paying with cash, BFCU Share Drafts are widely accepted, easy to use, and come with a convenient automatic overdraft feature. If you accidently overdraw your Share Draft account, we will automatically transfer funds from your Share account to cover the draft – up to three times per month for a nominal fee. You must have an available balance in your Share Account to cover the transfer.

After your Share Draft account has been open and in good standing for 90 days, you're eligible for Petiteline, a free automatic overdraft line of credit that will help you sail past small oversights and mathematical errors in your checking account. With this pre-approved $300 line of credit you're spared the embarrassment, inconvenience, and expense of an occasional bounced check. Need more than $300? Step up to Eliteline, a higher-limit, pre-approved overdraft line of credit that's as easy to access as writing a check.

For the ultimate in convenience, have your payroll check or government benefits check directly deposited to your Share Draft account (or Share account). Direct Deposit frees you from coming to the Credit Union to deposit your check. You can also have recurring bills, like insurance premiums and health club dues, automatically debited from your Share Draft account so you save time and postage.

Click here to reorder checks online.