Debit Checking

Share in the advantages of FREE Debit Checking

Share Advantage Debit Checking

When we say we have FREE personal Debit Checking - we mean it! No minimum balance required. No maintenance fees. No per item fees. No convenience fees. No hidden fees. No fooling!

  • FREE Debit Card
  • Personalize your debit card's security with the FREE CardValet app1
                  Personalize alerts, restrictions, and turn your card on & off
  • Optional check purchasing through Share Advantage.
                  Members over 60 years of age receive two free orders per year (one order at a time).
  • FREE Online Banking
  • FREE e-Statements
  • FREE Mobile Banking app1 with FREE mobile check deposit
  • FREE ATMs on the Nationwide MoneyPass network
  • FREE Mobile ATM Locator with MoneyPass1
  • Bill Pay available with a debit checking account. Bill Pay allows you to issue traditional checks or electronic checks (when possible) from your account to your Billers. Bill Pay also features Financial to Financial transfer (fees may apply), and Popmoney (fees may apply).
  • Financial to Financial Transfer - Pull from and send money to your accounts at other Financial Institutions (fees may apply) (registration for Bill Pay in Online Banking required)
  • Popmoney - Send to or request money from friends electronically using only their email address or cellphone number registered with popmoney. Funds are sent directly from and deposited directly into your account. All without exchanging account information. (fees may apply) (registration for Bill Pay in Online Banking required)
  • Low-Fee Business Checking


Debit Card Daily Limits (24-hour period)

Debit Card Daily Limits
(24-hour period)

These limits can be temporarily raised, just give us a call. Let us know the date range, type of raise (ATM withdrawal or Point of Sale), and the total needed to get all your expected transactions through. We can also lower daily limits.


Average 24-hour Point of Sale (POS) transaction total:

Ex: grocery store + online shopping = total

$800 non-minors

$400 minors


Average 24-hour ATM withdrawal total on Debit Card:

$400 non-minors

$200 minors

PLEASE BE ADVISED: Each ATM also has its own maximum dispense amount per transaction and daily maximum transactions per card number. If you are trying to get a large amount of cash out of an ATM, you may not be able to get the full amount out of one ATM in a single withdrawal even when we place a temporary ATM withdrawal limit raise; you may have to withdraw from several ATMs or over several days at the same ATM.



Debit Card Travel Notices

When you plan to travel outside of WISCONSIN, MINNESOTA, NORTH or SOUTH DAKOTA, please give us a call with the dates you are traveling and what states you will be in or traveling through. If you forget to give us a travel notice, your card may be blocked assuming transactions outside this region are being fraudulently attempted; if our fraud center flags a suspicious transaction, they will reach out to you to confirm or deny the transaction.

FORGOT TO GIVE A TRAVEL NOTICE? If you arrive at your destination outside of our business hours and need to use your card, please have the merchant run your debit card through as a debit transaction requiring you to enter your PIN; this will verify it is you using your card and not someone fraudulently using your card.



Mobile Deposit1

Mobile Deposit checks must be endorsed “FOR SACU MOBILE DEPOSIT ONLY” and are manually reviewed Monday-Friday until 3:30 PM (excluding Holidays and other non-business days). If rejected, a reason will be emailed to you. Save checks for 30 days before marking VOID and shredding.



1 App available for download at Google Play and Apple App stores. Data carrier fees may apply.

Main Office
2502 Maple Grove Rd.
Duluth, MN 55811

Phone
(218) 722-5931

Fax
218-740-3080

Hours &  Map

Essentia Office
407 E 3rd St. Suite 0210
Duluth, MN 55805

Phone
(218) 740-2244

Fax
218-786-7229

Hours &  Map

 2018 Share Advantage Credit Union. All Rights Reserved.