SHARE DRAFT (CHECKING) ACCOUNTS ... what other financial institutions call a checking account, Credit Unions call our share draft account. These accounts work just like a checking account in that you still write paper drafts that authorize the deduction of funds from your account, you receive a monthly statement for verification of balances. You can access your share draft account with our MasterCard Debit Card or our ATM Card, make transfers between your share draft and other sub accounts using our Voice Response Unit (VRU).

Some of the features of an NFG #2 share draft account:

     * No minimum balance requirements

     * Unlimited check writing

     * ATM and Debit card access to your funds.

     * Low-fee overdraft protection

     * Free box of share drafts annually

     * Electronic deposits of payroll, Social Security, or pensions.

     * Electronic transfers out of your share draft for bill payment.