Federally Insured by NCUA
Debt & Asset Protection
Premium Checking Account:
No monthly service fee or per check charges.
Opened with a minimum $5.00 deposit.
You must have a savings account before you can open a checking account.
Dividends are computed and compounded daily and paid quarterly on daily
balances of $500 and more.
FREE EFCU Debit Card (2)
Courtesy Pay (for qualifying members)
Check out our current checking rate.
To assist you in bringing your Checking Account to Eglin use our Switch Kit.
Basic Checking Account
If you do not qualify for the Premium Checking account you may be eligible to open a Basic Checking account.
The minimum deposit to open the account is $25 which includes a
one-time Account Opening Fee of $5.00
A $5 monthly service fee is charged on the last business day of every
Members may be reimbursed a $5 monthly service fee with the successful
completion (80%) of a BALANCE educational module on our website.
Course must be completed within 30 days after a fee to be reimbursed.
A maximum of 12 monthly service fees will be refunded.
Direct Deposit or proof of income is required at account opening.
Funds in this account do not earn dividends.
Overdraft protection is available from your EFCU savings account,
or Line-of-Credit Loan.
Easy Access to your Checking Account
You may be eligible for a Premium Checking Account after managing your Basic Checking Account in a responsible manner for at least one year and by successfully completing the BALANCE Checking Account Management course and at least one other Financial Education course available online.
- EFCU ATM or Debit card – at ATMs and at many merchants accepting MasterCard® Debit Card transactions.
- Online Home Branch and Free Bill Payer with at least three completed transactions each calendar month.
- Eglin FCU Mobile App
Please be advised that EFCU Accounts are subject to closure at the Credit Union’s discretion.
Protecting You From Needless Fees
At EFCU, we program our systems to pay as many checks as possible (smallest amount to largest amount) to help prevent our members from incurring fees. Many companies now convert your check into an electronic ACH debit. We also process ACH debits from lowest to highest, however, check and ACH debit processing are independent of one another. For point-of-sale and ATM transactions we pay the items when they are received.
You and your family members can take additional steps to protect against overdrafts by signing up for our overdraft protection transfers with no fee from savings or a Line-of-Credit Signature Loan or a combination of both. To request an overdraft protection authorization form, contact Member Services at ext. 1402.
Routing & Transit Number
EFCU's Routing & Transit Number for Direct Deposit or any other electronic transfer of funds is 263178070.
Account Numbers consist of 10 digits with leading zeros + account number + check digit. (Example 000 _ _ _ _ _ _ _).
For additional assistance please call (800) 367-6159 ext 1402.
FREE Home Branch
FREE Mobile Banking App
FREE Bill Payer
FREE 24-Hour Phone Access
STAR TELLER Direct Line
FREE automatic transfers to EFCU accounts or loans