Checking Checking Accounts Credit union checking accounts are called share draft checking accounts. They function just like checking accounts at other financial institutions. Instead of returning cancelled checks at the end of the month, we offer low or no cost duplicate checks.
Members receive a monthly statement.
If you should ever need a copy of a cancelled check, the credit union will provide one for a small fee. In addition, some of our share draft accounts earn dividends on the daily balance in the account. This charge also applies to rejected debit items like automatic payments, ACH transfers, checks presented on uncollected funds, etc. Return to top Illini Advantage PLUS Checking No Minimum Balance Illini Advantage PLUS has all of the benefits of Illini Advantage, PLUS no minimum balance requirement. Earn dividends on your daily balance with no minimum balance requirement.