On April 28, 2011 I used my HFS Credit Union draft(checkbook)for the first time at our local Office Max to purchase HP ink cartridges for our printer. My total purchase was $34.87. Just last week I received two notices from my credit union of the returned check unpaid. As this was my first time using a draft account at a credit union in a very long time, I had overlooked the fact that my funds were in my share account and not my draft account. I have since tranferred some funds over to my draft account sufficient to cover the check amount... read full review »