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Share Draft Accounts – Checking

For Your Protection:  Our office will ask multiple questions to verify your identify before preforming any service or providing any information on your account to keep your account safe.

If you have any questions about this process, please inquire with one of our offices in person or over the phone.


With G.A.P. Federal Credit Union’s Share Draft (Checking) Account you can leave all the fees and hassles of “banking” behind and take advantage of the no fee, hassle free, credit union way!

Regular Share Draft Account – Once you’ve opened a G.A.P. Federal Credit Union share account, there’s nothing stopping you from taking advantage of our no fees, no minimum balance share draft accounts.

We offer automatic overdraft protection from shares, dividends on balances of $500.00 or more, and your first box of checks are FREE! With carbonless duplicate checks and your monthly statement, record keeping is a snap.

Deposits can be made in person, by mail, in one of our night deposit boxes, thru Direct Deposit, Remote Deposit (RDC) from your smart phone, or at select ATM’s.

Student Accounts – Members, between the ages of 16 and 24, who are attending high school, college, etc. not only have all the advantages of a regular share draft account, but TWO (2) FREE boxes of checks per calendar year! It’s never too early to start a share draft account. Teaching our children and young adults the fundamentals now makes life just a little bit easier when they’re on their own.

“Golden Years” Accounts – Seniors, as our congratulations upon entering your “Golden Years”, G.A.P. FCU will offer TWO (2) FREE* boxes of checks per calendar year once you’ve reached the age of 60. That’s right, FREE checks* when you turn 60!

If we’ve missed this important birthday, please accept our apologies, and contact us immediately.

*Select check styles only.

ATM/Debit Card – An easy way to pay for purchases – right from your share draft account. You can still use your ATM/Debit card to get cash, gas and groceries. But that’s not all. Now you can use it in more ways, at more places, and for more purchases than ever before. Your card carries the VISA symbol, so it’s accepted everywhere VISA® cards are welcome at over 14 million locations worldwide.

Whether you’re shopping around the corner or around the world, you can use your G.A.P. VISA Debit card to pay for everyday purchases instead of writing a check and last, but not least, it’s an ATM card, too! There is a $0.25 fee for  ATM withdrawals, no matter what ATM is used.

Look for ATM’s with the CU$ logo to avoid surcharges of up to $3.00. This surcharge will be displayed on the ATM before you complete your transaction.

Local ATM’s that do not surcharge* in our area are affiliated with the following financial institutions:

  • Healthcare First Credit Union
  • Franklin-Johnstown Federal Credit Union
  • First National Bank of PA
  • MERHO Federal Credit Union
  • USSCO Federal Credit Union
  • ATM located in the Altoona VA Hospital-First Floor-Main Lobby
  • ATM located inside the VFW Post 155, Johnstown
  • ATM located inside Homewood at Martinsburg
  • ATM located inside Homewood at Spring House Estates
  • Any ATM that states is surcharge free
*Subject to change without notice
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