Share Draft (Checking) Accounts

Our Share Draft Account offers you a convenient way to manage all of your financial needs. You earn a dividend if you maintain a balance of $500 or more for the entire month.

  • No minimum balance required
  • No per check fee
  • No monthly service charge
  • No per transaction charge
  • Overdraft protection available
  • Debit card available with surcharge-free access at 55,000 Allpoint ATMs

Courtesy Pay

An insufficient fund check that is returned or a debit card purchase attempt that is declined can be embarrassing, frustrating and in the case of checks, can result in fees from the merchant or retailer. Morton Lane Federal Credit Union understands that many people need an occasional safety net to avoid this type of situation, which is why we offer Courtesy Pay.

Courtesy Pay is a non-contractual overdraft protection service that we offer to our members with eligible share draft (checking) accounts. As long as you maintain your account in good standing, we may cover insufficient fund items up to your approved limit of $450. We will charge our normal NSF fee of $21 and send you a notice each time an overdraft occurs. You are required to bring your account to positive balance within 30 days.

Visa Debit Card

The most convenient card in your wallet provides you instant access to cash and a hassle-free way to pay for purchases. It's safer too – there's no need to carry cash or checks.

Access your accounts anywhere to withdraw cash, transfer funds, check account balances, and make deposits. Plus, surcharge-free access to 55,000+ AllPoint ATMs nationwide.

Eliminate the need for check writing – use your Debit/ATM Card anywhere VISA is accepted. Eliminate trips to the ATM – get cashback when paying for in-store purchases.

Check Reordering

You can order your checks directly through the Harland Clarke Checks Connect website. Use this convenient, secure check ordering method to save time! For security reasons, Check Printing Solutions has restricted this service to orders that do not have any name or address changes. If you do have name or address changes, simply contact us at (716) 837-2007 for information on how to make those changes to your account.

Direct Deposit

Receiving your money is never a concern with direct deposit. Your social security, payroll, pension, or government check is sent electronically and deposited directly into your account. No matter where your check is coming from, direct deposit takes the worry out of stolen or misplaced checks and delayed deposits.

Your funds are available for withdrawal at the credit union or one of 55,000+ surcharge-free Allpoint ATMs. Contact your pay provider to initiate direct deposit to your Morton Lane Federal Credit Union account. You'll need to give them:

  • Our routing number: 222083070
  • Your savings or checking account number