Regular Share Draft Account

    One of the easiest ways to have access to your money is with a JPEFCU regular share draft account or share draft plus program. We offer duplicate checks, which creates a carbon record for easy documentation.

    • No Monthly Service Charge
    • No Minimum Balance Required
    • No Transaction Limit
    • Automatic Overdraft Protection
    • Direct Deposit
    • ATM Access
    • Nominal fees may apply

    Share Draft Plus Account

    Our Share Draft Plus Account is for members wishing to keep a higher balance in their share draft account. You must maintain a minimum balance of $1,500.

    • No Monthly Service Charge
    • Monthly fee on balances below $1,500
    • No Transaction Limits
    • Automatic Overdraft Protection
    • Direct Deposit
    • ATM Access
    • No Fee on Single Signature Travelers Cheques
    • Nominal fees may apply

    Courtesy Overdraft Privilege (COP)

    COP protects our members’ accounts from embarrassing and costly overdrafts by paying checks, items or ACH clearings up to a total maximum of $500.00. Members will have up to 15 days from the day their account first becomes negative to bring the account to a positive day-end balance.

    When your account is overdrawn, JPEFCU will transfer any available funds from your authorized accounts. Once these funds are exhausted, COP will automatically kick-in. With our Courtesy Overdraft Privilege, a $23.00 fee will be assessed for each item cleared. That’s a small price to pay for peace of mind. But, please be aware that if your negative balance exceeds the $500 limit, additional items will be automatically returned as Non-Sufficient Funds (NSF’s) and fees will be applied.

    • Overdraft/NSF Fee of $23.00 per item
    • Overdraft Transfer Fee of $4.00 per item
    • COP is offered to all of our credit union members in good standing after a 90 day probationary period.
    • NSF Deposit (Same Party Check) Fee of $25.00 per item

    Harland Clarke Check Reorder

    Need to reorder checks but find it hard to get to the Credit Union? Don’t worry. Now with Harland Clarke’s Check Reorder Express you can reorder right from the comfort of your home. All you need is the Internet and a browser.

    Harland Clarke’s Check Reorder Express is the quick, easy and secure online check reordering method. You control what you want on your checks. Experiment with different check styles, typestyles and accents. Your check reorder isn’t placed until you are satisfied with your results.


    Access Harland Clarke’s Check Reorder Express HERE
    Enter the routing number and the account number. Both are on the reorder form in your check box.
    Reorder your check style without changes or
    Design your check online – select a check style, typestyle, accent, even a signature line. And you can also add a cover if you want.


    You can cancel the order at anytime and your account will not be debited. Once you are satisfied with your decision, press the ORDER button and your transaction is complete. Since ordering is done in “real time”, if any changes need to be made please contact the Share Draft Department IMMEDIATELY.