EFCU Checking

  Direct Deposit Checking Dividend Checking Money Market Checking Teen Checking Premier Account
Description An interest-earning checking account offering the best value for members with direct deposit An interest earning checking account with added benefits A higher-yield interest-earning low activity checking account A basic interest-earning account for teens ages 13-18 An exclusive account for members 55 and older
Monthly service fee None None None None None
Minimum balance $0 (1) $300 (1) Average daily balance $3,000 (1) Minimum balance $0 (1) Combined balance of $2,500
Below minimum fee None $5 $5 None None
Dividends Earn dividends on average daily balances above $250. Earn dividends on average daily balances above $250. Earn dividends on average daily balances above $3,000. Earn dividends on average daily balances above $250. Earn dividends on average daily balances above $250.
Debit and ATM cards Monthly card fee Free Free Free Free Free
Monthly POS purchase fee Free Free Free Free Free
Other CheckMate Visa® Debit Card is available free with all of our Checking Accounts and features:
  • Worldwide usage wherever the Visa logo is displayed
  • 24-hour access to cash through worldwide ATM Networks
  • Up-to-the moment currency conversion in foreign countries
  • Deposits at select CO-OP ATMs
  • Five free non-EFCU ATM withdrawals per month
  • Unlimited free EFCU ATM withdrawals
Other services
  • Unlimited check writing
  • Free online banking
  • Free estatements
  • Free TouchTell touchtone banking service
  • Free Point 'N' Pay - online bill payment service
Notes and disclosures Direct deposit of checks is required        

(1) All members are required to have a $50 share balance in the EFCU savings accounts.

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View our current checking rates