Personal Accounts

Personal Share Savings Account:

Our Savings Account (which is also known as a Share Account) establishes your membership with us. Once you open your basic share/savings account, you are eligibile to apply for all other services including checking, loans, credit cards and more.

The minimum balance to open a Share Account is $50. There is no monthly service charge, and you'll have convenient access to these funds via ATMs, Audio Response Teller (ART) 24-hour access and Home Banking. Earnings on your Share (Savings) Account are paid to you in the form of dividends.

Savings Account features:

  • An easy way to start saving
  • Pays competitive dividends quarterly on balances of $250 or more
  • Receive statements quarterly-and view your statements online with free Home Banking
  • Check out our current rates

Personal Share Draft Checking Accounts

  • The first 48 checks are FREE
  • Overdraft line of credit available
  • Counter checks available
  • Convenient ATM locations
  • Check reorder available online
  • NO per-check charges
  • Direct Deposit or Payroll Deduction is not required

FREE Share Draft (checking)

  • NO monthly service charge
  • NO minimum balance
  • NO per draft (check) charge

Dividend Bearing Share Draft (checking) account

  • $500 minimum average daily balance to earn dividends
  • Dividends declared and posted monthly on your monthly account statement
  • $5 / month fee if average daily balance falls below $500

Courtesy Pay

  • For eligible members who have Payroll Deduction or Direct Deposit ONLY
  • Share drafts and ACH debits will be permitted to overdraw their personal share draft account up to a maximum of $500, including any fees associated with the program (refer to fee schedule)

Click here to reorder checks

Routing Transit ABA# 221476691

To view our disclosures & policies, please click this link to view.

For our fee schedule, please click this link to view.







© 2015 Winthrop-University Hospital Employees Federal Credit Union
Phone: 516-226-3616 | Fax: 516-441-6769 | ABA/Routing Number: 221476691
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