Checking Accounts

A checking account is more than just a place to keep your money -- it’s a way to simplify your financial life by making money management easier.  EFCU offers two convenient and affordable checking account options so you can choose the one that best fits your lifestyle and goals. 

Regular Checking
Totally free checking that is really totally free!

• No minimum balance requirements
• Unlimited check writing
• Free VISA debit/ATM card
• Free online Bill Pay
• Free 24-hour access to account information with ExPress Branch or Express Telephone Teller
• Your choice of paper or electronic monthly statements
• Optional no-cost overdraft protection from pre-designated savings or line of credit
• The convenience of free direct deposit and payroll deduction

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Money Market Checking
Our Money Market Checking is a tiered account combining the earning potential of a money market account with the ease and convenience of a checking account. 

• Minimum balance of $2,500
• Monthly dividends at a higher rate than regular Checking
• Monthly fee of $10 if balance drops below $2500
• 24-hour access to account information with ExPress Branch, or Express Telephone Teller
• Your choice of paper or electronic monthly statements
• Optional no-cost overdraft protection from pre-designated savings or line of credit
• 1st box of checks free
• The convenience of free direct deposit and payroll deduction

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Rates

The National Credit Union Administration (NCUA), an agency of the federal government, insures all deposits to  at least $100,000 per member.