Share Draft Checking

Enjoy a transaction account that offers an array of convenient and time-saving services.  The Share Draft Checking Account offers Direct Deposit, Payroll Deduction, 50 FREE Drafts/Checks, and more!

  • No Minimum Balance Requirement* 
  • No Monthly Service or Transaction Fees**
  • Thousands of Surcharge-Free ATM's Nationwide
  • FREE Phone 24 (Automated Phone Service)
  • FREE Best Reward Online (Online Account Access)
  • FREE Online Bill Payment
  • FREE Mobile Banking
  • FREE Mobile Banking App
  • FREE e-Statements 
  • Overdraft Protection Available

*Minimum balance of $100 or more required to earn dividends.  Dividends calculated on an average daily balance and paid monthly. **Statement Fee Per Mailed Statement is $1.00 (e-Statements are FREE).

MasterCard® Debit Card

When you open a Share Draft Checking Account, be sure to ask about our MasterCard® Debit Card – a safe and convenient alternative to writing checks or carrying cash. To make purchases, simply present your MasterCard® Debit Card and the amount of the purchase will be deducted from your Share Draft Checking Account. It’s accepted at millions of locations worldwide! You can also use your Debit Card at the ATM to withdraw cash. 

Click HERE to apply for your ATM or Debit Card!

MasterCard® SecureCode™

Click HERE to login or register to access your MasterCard® SecureCode™ This FREE service gives you added security for online Debit Card purchases!

Surcharge Free ATM's

With an ATM or Debit Card, you have access to your cash 24 hours a day, 7 days a week at thousands of Surcharge-Free ATM's nationwide due to our arrangement with Alliance One (ATM's owned by other credit unions) and MoneyPass (US Bank Locations Only).

  • Alliance One: Click HERE to find the nearest Surcharge-Free ATM.
  • MoneyPass: Click HERE to find the nearest Surcharge-Free ATM.

Overdraft Protection

While most members never overdraw their account, sometimes the unexpected happens.  Best Reward Credit Union covers your overdrafts in two different ways:

Share Savings Transfer

When an overdraft occurs, available funds in your Share Savings Account are assessed first to cover the shortage.  Best Reward offers this service automatically and completely FREE to its members!  Federal regulations limit the number of these transfers per month; contact the credit union for more information.

Overdraft Advance Coverage

Overdraft Advance Coverage is utilized when the amount is not available in your Share Savings Account.  This service is offered automatically within 90 days of the Share Draft Checking account opening date to qualified members up to a limit determined by the credit union. 

Best Reward requires you to opt-in to cover overdrafts on ATM/Debit Card transactions; otherwise they are not covered under this protection.  

If you currently have an ATM or Debit Card and would like to opt-in for this coverage click HERE, complete (Part 2) of the application, and submit online today.

With Overdraft Advance Coverage, you can rest assured that your transactions will be covered.  You may opt-out of this service at anytime and best of all - you only pay for it when you use it!

Federally Insured by NCUA Equal Housing Lender

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Best Reward Credit Union is actively working to increase accessibility and usability of its website in accordance with ADA standards and guidelines. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us toll free at 877-232-9540. All products and services available on this website are available at all Best Reward Credit Union branches or by calling 877-232-9540.