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Share Draft (Checking) Accounts

A share draft (checking) account is available to any Newrizons Federal Credit Union member in good standing. The member is responsible to Newrizons Federal Credit Union for any signers on the account. Accounts may be opened for small businesses or qualifying organizations of the member. Members who receive a debit card must accept the terms of this agreement. Newrizons Federal Credit Union reserves the right to close an account for misuse or negligence. The member agrees to surrender their debit card if asked.

Deposits can be made by:

  • Cash or check in person, by mail or night drop.

  • Payroll deduction of a specified amount or total payroll amount.

  • Transfers from another account per member request: in person, over the phone, on ALICE (VRU) or by HOMEBANKING (Credit Union activation required)

  • ACH credit (Electronic Deposits, Wires)

  • Overdraft Protection Transfers


  • Share or Draft transfers require signed authorization. The exact amount is transferred and a fee is charged to your account.

  • Loan Transfers require approval of an Overdraft Protection Loan per the CU loan guidelines. Transfers are in $50 increments and a fee is charged to your account.

Debit card transactions are posted to the account and overdrafts may be handled as a deposit or transfer.


The member is responsible for the following fees according to the current Account Fee Schedule:

  • Printing of checks.· Overdraft Protection Transfer fees

  • Non-Sufficient Funds (NSF)·

  • Returned items. Checks may be returned to the payee if adequate funds are not available. The member may be notified by mail.

  • Stop Payment Request

  • Debit card replacement

  • Debit card PIN replacement

  • ATM transaction fees

Accounts that maintain a minimum balance of $500 at all times during a month shall earn daily dividends as declared by the Board of Directors.

DIVIDENDS for SAVINGS, DAILY IRA & CHECKING ACCOUNTS. Dividends are computed based upon the daily average balance multiplied by the tiered dividend factor and paid monthly.

DIVIDENDS for MONEY MARKET ACCOUNTS. Dividends are computed by using the simple daily method multiplied by the tiered dividend factor and paid monthly.

DIVIDENDS for CDs. Dividends are computed by multiplying the tiered dividend factor by the total of the current balance plus any outstanding accrued dividends and paid quarterly.

All dividend rates are based on profitability, reviewed and subject to change periodically by the board of directors. Your savings deposit is insured up to $250,000 by the National Credit Union Administration.

Account Fee Schedule

Statements are available monthly.  Statements are avaiable on Home Banking It's Me 24x7 or by request you may have your statements mailed to your mailing address. Cleared checks are not returned.

Lost or Stolen Checkbook?

Losing your checkbook can be very stressful. Here's what to do as soon as you discover you they're gone.

Step 1- Call Newrizons 360-533-4760

Always call Newrizons. Leave a message if we're closed. We'll get back to you as fast as we can and not later than the next business day.

Stop Pays on some or all of your checks may be best or closing your checking account completely and opening a new checking account with a different number. We'll figure that out together including order new checks if that's best for you.

Step 2- Contact the Police Department

If they were stolen, report the loss to the local police department to best protect you from fraud. Record the case number and the name of the officer who took your report. We may need this information later if additional charges are made against your account. Want more information? Click here.

NCUA Share Insurance Brochure