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Share Draft Checking

Enjoy a transaction account that offers an array of convenient and time-saving services.  The Share Draft Checking offers Direct Deposit, Payroll Deduction, and more!

  • No Minimum Balance Requirement*
  • No Monthly Service or Transaction Fees**
  • Thousands of Surcharge-Free ATM's Nationwide
  • FREE Phone 24 (Automated Phone Service)
  • FREE Best Reward Online (Online Banking)
  • FREE Online Bill Pay
  • FREE Mobile Banking App
  • FREE e-Statements
  • Overdraft Protection/Courtesy Pay Available
  • Earn Dividends Based on Your Balance*

Open My Share Draft Checking

Non-Members Only. Current Best Reward members, please contact a branch to open additional accounts or make changes to existing accounts.

For questions regarding membership or account opening, please contact the Walton Hills Branch at 440-232-9540.

View Deposit Rates Here

*Minimum balance of $100 or more required to earn dividends.  Dividends calculated on an average daily balance and paid monthly. **Statement Fee Per Mailed Statement is $1.00 (e-Statements are FREE).


MasterCard® Debit Card

When you open a Share Draft Checking, be sure to ask about our MasterCard® Debit Card – a safe and convenient alternative to writing checks or carrying cash. To make purchases, simply present your MasterCard® Debit Card and the amount of the purchase will be deducted from your Share Draft Checking. It’s accepted at millions of locations worldwide! You can also use your Debit Card at the ATM to withdraw cash.

Apply for your ATM or Debit Card

Please Note: Using your MasterCard DEBIT Card for payment is restricted on car rentals. Please use your VISA Credit Card for car rental transactions. This policy is in place due to liability purposes and for your protection.

MasterCard® SecureCode™

SecureCode™.  This FREE service gives you added security for online Debit Card purchases!

Login or Register to Access Your MasterCard®

Surcharge-Free ATM's

With an ATM or Debit Card, you have access to your cash 24 hours a day, 7 days a week at thousands of Surcharge-Free ATM's nationwide due to our arrangement with Alliance One (ATM's owned by other credit unions) and MoneyPass.

Find the nearest Surcharge-Free ATM:

Alliance One MoneyPass



Overdraft Protection

While most members never overdraw their account, sometimes the unexpected happens.  Best Reward Federal Credit Union covers your overdrafts in two different ways:

Share Savings Transfer

When an overdraft occurs, available funds in your Regular Share Savings are assessed first to cover the shortage.  Best Reward offers this service automatically and completely FREE to its members!  

Courtesy Pay

Courtesy Pay is utilized when the amount is not available in your Regular Share Savings.  This service is offered automatically within 90 days of the Share Draft Checking opening date to qualified members up to a limit determined by the credit union.

Best Reward requires you to opt-in to cover overdrafts on ATM/Debit Card transactions; otherwise they are not covered under this protection. 

If you currently have an ATM or Debit Card and would like to opt-in for this coverage, complete (Part 2) of the application, and submit online today.

ATM/Debit Card Application

With Courtesy Pay, you can rest assured that your transactions will be covered.  You may opt-out of this service at anytime and best of all - you only pay for it when you use it!