Share Draft (Checking) Account
Personal Share Draft (Checking) Account
Personal Share Draft (Checking) Accounts offer:
- ✔️ No monthly fee
- ✔️ No minimum balance
- ✔️ No monthly transaction fees
- ✔️ Unlimited check transactions
- ✔️ Mastercard® Debit Card
- ✔️ Secured through the National Credit Union Administration (NCUA)
Requirements
- ✔️ You must be an LES People’s member with an active Share (Savings) Account
- ✔️ You must be at least 18 years old
Additional Features
Overdraft Protection Line of Credit (OP-LOC) – With LES PEOPLE’S OP-LOC, your checks (share drafts) are paid, even if you do not have sufficient funds in your Share Draft (Checking) Account. You may apply for OP-LOCs up to $5,000.00. If you are approved for this service, you will be assessed interest only on the amount that you use.
See our Current Rates and Fees.
Debit Card Management – Protect your Debit Card from your phone with CardNav. Manage how, when, and where your card is used – on your own terms. CardNav allows you to set controls regarding transaction types, geographic rules, and merchant types where your card can be used. Download the CardNav app at Android or Apple stores.
Fraud Text and Email Alert – Protect your Debit and Credit Card in real time. Our Fraud Department will contact you by text or email when they detect suspicious activity on your cards. Please keep your contact information updated with us to take full advantage of this benefit.
COOP ATM Network – Use your Debit Card everywhere in the world Mastercard® is accepted. You also have access to more than 30,000 surcharge-free ATMs in the USA to withdraw funds and check balances.
Check out our Interest (Dividends) Schedule.
Contact one of our Member Service Representatives if you have additional questions at (212) 529-8197 or by emailing lespfcu@lespfcu.org.
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Credit Card Call Center: (212) 529-8197
Lost or Stolen Number: In the U.S. call (888) 241-2510. Outside the U.S.: (909) 941-1398
Fraud Department: (888) 241-2440
Please contact for more information at (212) 529-8197 ext. 0126 or lending@lespfcu.org.
A minimum combine balance of $75.00 is required to avoid the monthly maintenance fee. A minimum of $25.00 is required to maintain your share in the credit union.
An annual account service fee of $5.00 will be charged every July 31st. This fee is for Personal and Business accounts