Share Draft / Checking

“Share Draft Account” is Credit Union terminology for what banks refer to as a Checking Account.


It’s always free at LOMTO FCU.

Our Share Draft Accounts have no per check charges, no minimum balance requirements and no hassles. Free Checking also comes with Free Debit Card access, Free Online Banking, Free Bill Pay and Free eStatements!

Accounts with an average daily balance of $1,000 or more even receive dividends, which are declared after the period on a Quarterly basis.

Learn more about the VISA® Debit Card here.

Overdraft Protection

Link your Member Share Account to your Share Draft Checking Account just in case you need your available funds to cover a check or electronic funds transaction. A transfer fee of only $5.00 is applied, and you save yourself the hassle of a returned item.

Overdraft Protection transfers from a membership share count toward the Regulation D limit of a total of 6 pre-authorized, automatic or telephone transfers or payments per statement month.

Your LOMTO FCU Signature Line of Credit available funds can be used for overdraft protection.

Learn more about the Signature Line of Credit here.


Direct Deposit

Save time and trips to the branch with direct deposit. Simply provide the information from the bottom of your checks or our routing number and your member number to your employer to have deposits sent to LOMTO FCU electronically. We will post transactions ASAP, so get started today!