Checking (Share Draft)

For your convenience we now offer two different share draft (checking) accounts.

Select Account

• No Minimum Balance Requirements
• No Monthly Service Charge
• No Dividend
• Free Club Checks (members 60 +)
• Purchase Checks thru Liberty or Checks for Less

Supreme Account

• $250 Minimum (to earn dividends)
• $1.00 Monthly Service Fee
• Dividend Paying Account
• Free Club Checks (members 60 +)
• Click here to view our current rates

Click here to print an application.

Important Reminder About Your Checking Account

• Franciscan Skemp Credit Union had a routing number conversion to simplify the clearing of your personal Share Drafts. The conversion took place in May 2003.
• Please look at your checks (that includes any old books) to make sure they reflect the correct routing number. If you find any with "payable through Cleveland State Bank" DO NOT USE. Please bring them in to the Credit Union to be destroyed. If you use any of these checks, you will be charged a $20.00 fee - per check.
• If you have any questions, please call us at (608) 785-0377.

If you are unable to place an order with our check printer, Checks For Less, due to one of the following reasons:

• New check order
• Name or address change
• Do not know starting number
• Have not ordered thru Checks for Less before

Please call us at (608) 785-0377.

Debit Cards

Click here to print an application.

• No monthly fee
• No fee for signature transactions
• Free at FSCU ATM & Shared Branching ATMs
• Lost or stolen call 1-800-236-2442

ATM Transaction Fee – 6 free PIN transactions per month. Any additional PIN transactions will be charged a $0.50 fee (per transaction) at the end of each month.

No Service Charge ATM Locations

• FSCU – Drive-Thru (605 West Avenue South)
• FSH Marketplace
• FSH Holmen Clinic
• FSH Onalaska Clinic
• FSH Sparta Clinic
• Altra Federal CU
• GECU
• Gundersen Lutheran Hospital/Clinic
• Firefighter’s CU
• People’s Food Co-Op

PrePaid Debit Cards

Load it with the amount you want.  Spend only the amount you have.

Control your spending while enjoying the convenience of a debit card

• Pre-funded to help you manage your money
• Track spending and add more funds with online management tool
• Eliminates being overdrawn and overdraft fees
• Use wherever debit cards are accepted
• Not linked to any account, so no risk if lost or stolen
• Safer than carrying cash

Apply today for the smart way to spend money

*Fees may apply - - call for more details*

Overdraft Protection Opt-In Form

Why Opt-In?

Overdraft Protection Opt-In will allow your account to function with ease. Some of the benefits of Opt-In are as follows:

• Comfort in knowing that your transactions will be covered, within the limits of your Overdraft Protection, even if you lose track of the balance in your account.
• Confidence that your transaction will not be rejected at the point-of-sale.
• Convenience when additional cash is needed for an emergency – your ATM withdrawal will be granted within the limits of your Overdraft Protection.

For more information on Overdraft Protection, please take a minute to read our Opt-In Notice.

What if I want Franciscan Skemp Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions?

Please choose one of the following ways to submit your request:

• Online: Fill out the form below with your basic identifying information and select Yes!
• Call: (608) 785-0377
• Visit Us: Complete the Opt-In Notice and bring to our office
• Mail: Print and complete the Opt-In Notice and return by mail to:
  • Franciscan Skemp Credit Union
    605 West Ave. South
    La Crosse WI 54601