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
    Mobile Wallet ready with Apple Wallet®, Google Wallet™, Samsung Wallet®, and Garmin Pay™
  • 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).
  • 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)
  • 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 adults

$400 minors

Average 24-hour ATM withdrawal total on Debit Card:

$400 adults

$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 the United Staes, please give us a call with the dates and the countries you will be traveling through.

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 & Mailing Address
2502 Maple Grove Rd.
Duluth, MN 55811

(218) 722-5931


Hours &  Map

Essentia Office
Miller Dwan Building Lobby
502 E 2nd St. Bldg.C Ste.L8412
Duluth, MN 55805

(218) 740-2244

(218) 336-0112

Hours &  Map

 2018 Share Advantage Credit Union. All Rights Reserved.