Share Draft Checking

Rimrock Credit Union share draft checking accounts are an easy way to pay your bills and manage your budget.

  • A $100 minimum balance avoids a $5.00 monthly service fee
  • Unlimited Checks
  • Free Online access including Bill Pay, Online Banking, and E-Statements
  • Order Checks online
  • Free Debit / ATM Card
    • Pay for purchases or withdraw funds without writing a check
    • ATM Fees may apply (ATM Fees NOT Credit Union fee)
    • Daily limit when pin number is used – $500.00 (Debit)
    • Daily limit when signature is required – $1,000.00 (Credit)
    • ATM Daily limit – $300 (All transactions are drawn from checking account)
    • Card Replacement Fee $10.00
    • Merchant Ticket Copy $15.00
    • PIN# Replacement Fee $ 5.00
    • Overdraft Transfer Fee $ 5.00
    • Line of credit available to those who qualify
    • SecureCode Enrollment*

To report a lost or stolen card after business hours, weekends, or holidays, please call 1-888-241-2510. If outside the U.S. call 1-909-941-1398.

Attention Debit Card Holders   We are upgrading our Fraud Detection and Notification System beginning first Quarter 2015. The new system will provide more immediate attention to notify our members faster when fraud is suspected. The notification portion of the system includes a state-of-the-art automated assistant to help our members review transactions and confirm their spending activity on Debit Cards.

If you receive a notification call from our automated assistant, whom we have nick-named Jill, please work with her to answer questions regarding recent card activity. Please also be aware that our Card Member Security team that provides fraud alert management is available 24 hours per day, 7 days per week should you need assistance from a live agent.

If suspicious transactions are identified as fraudulent, calls will be transferred to our outstanding member support team at Card Member Security to help you take the necessary precautions to protect your cards and related accounts. If the recent activity is legitimate, members will be able to close the case with the phone attendant using their touch-tone phone. Thank you for your support through this upgrade.

MasterCard Secure Code: Your Rimrock Credit Union MasterCard has been pre-enrolled forMasterCard® SecureCode™ – a complimentary, new online security service to add protection against unauthorized use of your debit card online. The next time you shop online at a participating merchant, a window will appear asking you to confirm your identity and create a private SecureCode™. Now you can shop with added confidence on the web!

Other Share Draft Checking fees:

  • Nonsufficient Funds (NSF) $30.00 per item
  • Stop Payment $30.00 per item
  • Overdraft Transfer $ 5.00
  • Extra Statements $5.00 per item
  • Return Check $3.00 per check
  • Overdraft Transfer Fee $5.00
  • Copy of Cleared Draft $5.00 per check
  • Account Reconciliation $20.00 min. / $20.00 per hour
  • Close account fee $20.00
  • Off-us Returned Check fee $12.00 per item 

Overdraft Policy

    Overdrafts will NOT be allowed for:

  • Any New Accounts (opened less than 60 days)
  • If an account has history of closure or Chex Systems
  • If an account has history of overdrafts
  • Accounts without Direct Deposit
  • If an account is delinquent on loan(s)

For more details call 406-248-3685 and ask for a copy of our policy.



Rimrock Credit Union offers online banking for access to your accounts



Whether you’re looking to purchase a vehicle, boat, RV, or just need a little extra cash



Rimrock Credit Union share draft checking accounts are an easy way to pay your bills



Rimrock Credit Union is a not-for-profit financial cooperative.

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