Attention members: Online Banking and Mobile are temporarily down for maintenance. Services should be restored momentarily. Thank you for your patience.
Routing Number: 263178070
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Premium Checking

We offer FREE Premium Checking for eligible members.

If you would like to open a Premium Checking account, please contact EFCU Member Services by calling 850.862.0111 (option 4), or via Secure Email. (Requires EFCU membership.)

Please note: You must have an EFCU Regular Share Savings Account prior to opening an EFCU Checking Account
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Checking Features

  • Optional Bill Payer (free w/minimum of 3 transactions/month)
  • Online check ordering*
  • Free automatic transfers to EFCU accounts or loans

*All initial Deluxe check orders must be placed at a branch or over the phone at 800.367.6159 (option 2). If you have previously placed an online check order with Deluxe, you may reorder your checks online by logging in and selecting 'Reorder Checks' under the 'eServices' tab. Eglin FCU Exclusive Checks (Seniors 55+): To receive the discount, all orders must be placed at a branch or over the phone at 800.367.6159 (option 2).

Online Account Access

Our online banking platform makes accessing and managing your EFCU accounts secure and convenient no matter where you are or what time of day it is. In addition to viewing your account and account history, you may also schedule transfers, pay bills, set up alerts, export account histories, manage your EFCU loans and Mastercard payments, and more. Online account access requires EFCU membership and a valid current email address.

Checking Account Switch Kit

Switching to Eglin Federal Credit Union has never been easier. With the click of a mouse you'll have all the tools you need to make your switch easier. Follow the steps below, select the services desired, print the corresponding forms for each request, sign and mail. It's that simple.

When you are ready to make the switch, follow these steps:
  1. Open an EFCU checking account.
  2. Stop using your old account: When you get your new debit cards and checks for EFCU, stop writing checks, initiating payments, and using your ATM or Debit Card on your old account and let all outstanding checks clear.
  3. Change all direct deposits: Send the enclosed letter and give it to your employer, Social Security Administration or your retirement provider. You may want to include a new deposit slip or voided check.
  4. Change automatic payments: Send the enclosed letters to companies that are taking payments from your account automatically. You might want to double check any online accounts that would use your previous debit card number.
  5. Set up payments from your new EFCU checking account:
    • Automatic Debits: You'll need your routing number and account number. Your account number should read exactly as it does on your membership card.
    • Online Bill Payer: Free bill pay service is available when you make a minimum of three payments per Bill-Payer month.
  6. Close your account: We will provide a professional letter to your institution declaring that you would like to close the account and where they need to send any funds that are left in that account

  7. Please note: You must establish membership by opening a savings account with EFCU prior to opening a checking account, Learn more about becoming a member.

Request Services Click any of the following statements that apply to you to access the corresponding form. Each request that is a pdf form will need to be completed and delivered to EFCU in person or by mail.
"I have one or more previous accounts at another financial institution/institutions that I would like to close." (PDF form) "I have one or more Government Direct Deposits that I want to switch to EFCU." (PDF form) "I have one or more Direct Deposits that I want to switch to EFCU." (PDF form) "I have one or more Automatic Payments that I want to switch to EFCU." (PDF form) "I would like to refinance my current auto loan(s) with EFCU." (online application) "I would like to apply for an overdraft Line of Credit Loan." (online application) "I would like to establish a Mastercard© and transfer any limits." (online application) If you have any questions, stop by one of our locations or call us at 850.862.0111 or toll free at 800.367.6159.