User ID/Account #
Unauthorized login attempts may be prosecuted to the fullest extent of the law.
1-866-TobyFCU (866-862-9328) 
Routing # 231386331 
Current Prime Rate 3.25% 
Current Fed Funds Rate 0.25% 

Share Draft Checking

Simplify your finances with a Share Draft Checking Account.

$105 for opening a newChecking Account1 at TobyFCU

Receive $105 for bringing your checking account relationship to us.New checking must include direct deposit2, debit card, Online Banking, Bill Pay3, and eStatements5.


Convenient features in a checking account such as debit cards, direct deposit and free ATM access simplify the process of paying bills and making purchases. It's fees, minimum balance requirements and other costs associated with traditional checking accounts that can complicate things. That's why we keep our TobyFCU Share Draft Checking simple with no monthly fees and no minimum balance requirements. Just convenient features and benefits such as:

Simplify things even further with Direct Deposit, the easy way to get your paychecks, Social Security payments, or any other regular deposits you may receive. The funds are directly deposited into your account and available for use the same day. It's secure and hassle-free... simple, really!

The requirements to opening a Share Draft Checking account with us is having an existing Share Savings account with a minimum of $5.00 (required for having an open account with us). Also, when applying for a share draft checking account, Tobyhanna FCU may require information about your account management history by requesting your ChexSystems record.

ChexSystems is a consumer-reporting agency used for verifying account management references. You are welcome to contact ChexSystems for more information about your ChexSystems record:

Phone: 1-800-428-9623
Mail: ChexSystems
Attention: Consumer Relations
12005 Ford Road, Suite 600
Dallas, Texas 75234-7253

Don't complicate things any longer. Visit one of our four convenient branches or call 1-866-862-9328 to speak with a member service representative about simplifying your checking with a TobyFCU Share Draft account.

Conditions & Notes

Promotional rates and terms are subject to change at any time without notice. Always contact credit union for most recent information. TobyFCU membership required with all promotions.
1 New checking for those that do not currently have a checking relationship with TobyFCU. In order to open new checking account member must be eligible for membership at TobyFCU, must clear through chexsystems and other required account opening procedures. New checking account must remain in good standing and conduct at least one transaction per month for the first three months. Incentive will be paid in 90 days after account opening. Member will not qualify for promotion if alternative checking product was closed within the last 12 months.
2 $500.00 minimum direct deposit required every 30 days for the first three months and needs to be deposited within 60 days of new account opening. Value of cash award will be reported to IRS as taxable income.
3 Must pay at least two (2) bills using Bill Pay within 60 days of account opening.
5 Must sign up for eStatements within the first 30 days of account opening.