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Checking

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.
    Reorder Chex Online  Switch Kit  Balance Track

    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
          calendar month.
  • 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
    • 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
    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.

    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.

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