Online Banking Help

Questions? Contact us by calling 850.862.0111 option 2 or email Consumer Loans via secure email.

* APR = Annual Percentage Rate. There is a range of rates for each loan type. The rate received will be determined by an evaluation of the applicant's credit. The above rates are current as of Thursday, December 1, 2022 and are subject to change

Got questions? Contact us by calling 850.862.0111 option 2 or email Consumer Loans via secure email.

Questions? Contact us by calling 850.862.0111 option 2 or email Consumer Loans via secure email.

Questions? Contact us by calling 850.862.0111 option 2 or email Consumer Loans via secure email.

Got questions? Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email

Got questions? Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email

Got questions? Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email

Got questions? Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email

A $2500.00 minimum deposit required. There is a penalty for early withdrawal.

1. Requires EFCU Membership.
2. Requires an EFCU checking account and password to access your EFCU account online.
3. Bill Payer is free with an EFCU checking account and a minimum of 3 completed transactions each month.
4. When you have less than 3 completed transactions each month a $5 fee applies.
5. You can schedule payments up to a year in advance.
6. No maximum limit to number of payments scheduled.
7. Payments may be added or changed at your convenience.
8. You may enroll in eBill to receive your bill summary from eligible payees electronically to your Bill Payer Account. eBill will notify you when a bill is available to review. eBill stores up to 84 months of eBill history.

When you received your loan you agreed to maintain adequate insurance coverage. If your insurance information has changed or you receive a letter stating we do not have proper documentation, you should provide us with a copy of your insurance declarations page (not your insurance card). The declarations page must show the following information:

• A loss payee naming Eglin FCU as lien holder.
• A full collateral description including the Vehicle Identification Number (VIN).
• Comprehensive and collision coverage with a maximum $1,000 deductible.
• The effective and expiration dates of the coverage.

Links to other sites are provided as a convenience to our visitors. The Credit Union is not responsible for the availability, accessibility, content, or privacy practices of any linked site.

EFCU's Routing & Transit Number for Direct Deposit or any other electronic transfer of funds is 263178070.

Please refer to the following guidelines for providing your account number:

• For Checking and Savings Accounts: Please provide your full 5-digit or 6-digit Account Number when authorizing electronic debits or credits.
• For Money Market accounts: If you have a 6-digit account number you will need to add "990" to the beginning of your account number, if you have a 5-digit account number you will need to add "9900" to the beginning of your account number.

If you have pre-printed EFCU checks, the Routing & Transit Number and Account Number begin at the bottom-left of your checks, with the routing number listed in the first section and the account number in the second. When retrieving your checking account number from a check, do not include the leading zeros or the last digit.

In compliance with The Secure and Fair Enforcement for Mortgage Licensing Act, also known as the SAFE Act, we are providing a list of EFCU's registered mortgage loan originators and their Nationwide Mortgage Licensing System (NMLS) number. The SAFE Act was passed to ensure the integrity of the Mortgage Lending system by establishing a set of standards that specific mortgage professionals must meet in order to work in the mortgage industry.

If you are having trouble accessing any of our online services it is possible they are being blocked by security software and plugins on your computer. To resolve issues with your computer preventing access to our services, please try the following:

1. Add the following URLs to the trusted sites list in your browser:
   
   • https://eglin.ns3web.org/ (Online Banking)
   • https://www.eglinfcu.org/ (our website)
   • https://olb.deeptarget.com (banner ads once logged into your account online)
   • https://www.billpaysite.com/ (Bill Payer site, if you are signed up for this service)
   Click on any of the buttons below to view detailed instructions on how to add trusted sites to the following popular internet browsers:
   Microsoft Internet Explorer
   1. Select "Internet options" under the tools menu at the top left of your browser window.
      
      
   2. In the "Internet options" window that opens, select the "security" tab. Under the security tab, click the "Trusted Sites" icon and then click the button labeled "sites."
      
      
   3. In the "Trusted Sites" window, input https://eglin.ns3web.org/ and click "add." Repeat this for adding https://www.eglinfcu.org, https://olb.deeptarget.com and https://www.billpaysite.com/. Once you have completed adding these sites, click "close." Be sure to click "Apply" and then "OK" on the "Internet Options" pop-up to save your settings.
      
      
   Google Chrome
   1. Open the Chrome menu by clicking the menu icon (three vertical dots) in the top right corner of the browser window. In the Chrome menu, select "Settings."
      
      
   2. In the Chrome Settings window, scroll to the bottom and click "advanced." More options will populate below the "advanced" link, continue scrolling all the way to the bottom until you see the section labled "System." Click "Open Proxy Settings."
      
      
   3. A pop-up window labeled "Internet Properties" will open, select the "security" tab if it is not already selected. Under the security tab, click the "Trusted Sites" icon and then click the button labeled "sites."
      
      
   4. In the "Trusted Sites" window, input https://eglin.ns3web.org/ and click "add." Repeat this for adding https://www.eglinfcu.org, https://olb.deeptarget.com and https://www.billpaysite.com/. Once you have completed adding these sites, click "close." Be sure to click "Apply" and then "OK" on the "Internet Properties" pop-up to save your settings.
      
      
   Mozilla Firefox
   1. Open the Firefox menu by clicking the menu icon (three lines stacked vertically) in the top right corner of the browser window. In the Firefox menu, select "Settings."
      
      
   2. In the Firefox Settings window, select the "security" tab fromt he left-hand navigation menu. On the "Security" settings page under "General," click "Exceptions."
      
      
   3. The next window is labeled "Allowed Sites - Add-ons Installation." Input https://eglin.ns3web.org/ and click "allow." Repeat this for adding https://www.eglinfcu.org, https://olb.deeptarget.com and https://www.billpaysite.com/. Once you have completed adding these sites, click "Save Changes."
      
      
   Safari users: You will want to add these sites to your "Top Sites" list. Instructions for doing so are listed on Apple's website located here.
   
   There are numerous internet browsers available and we cannot provide instructions for editing Trusted Sites in all of them. If you are using a different browser than the ones listed above, we recommend doing an online search for instructions on how to add sites as exceptions to their security.
   
2. In addition to adding our sites as exceptions to your Internet browser's security, we recommend adding these sites as exceptions to any ad-blocking, pop-up blocking, anti-virus, anti-spyware, and anti-malware software or plugins you have installed.

Connect to your external checking accounts and make payments to your EFCU loans and credit cards with this feature. Please note: You MUST have an established EFCU credit card or loan for this option to be made available to you.

To begin you will need to establish a connection to your account(s) at your other financial institution.
Follow these steps to do so:

1. Log into your account online via a browser or the app and select "External Transfers" under the "Transfers" tab in the main navigation.
   
2. When you first visit the External Transfers page, you will not have any active accounts listed. To connect your accounts from other financial institutions, select "Add Account."
   
3. On the Add Account page:
   1. Select "Checking." (At this time we can only connect to external checking accounts.) (a)
   2. Then search for your other financial institution by their name, routing number or phone number (b)
   3. After you have entered the routing number or phone number select "Find Institution" (c).
   
4. After clicking "Find Institution" you should see your financial institution's information on screen. If it is not the correct institution, please check the information you input and select "Find Institution" again.
   
5. Once you are satisfied you have the correct financial institution information selected, you may a choose a name for the external account (a) and will need to input your account number (b) before selecting "continue" (c).
   
   
6. Once you have completed adding the account, it will be pending verification and a new screen will open explaining the process for verifying the account.
   Note: You will not be able to use these accounts for external transfers until you've received and verified the three deposit amounts.
   
   
   
7. You will receive three small deposits into your external account within 2-3 business days. Once recieved, you will need to log into your account online and navigate to the External Transfers page again. At this point you should see the account listed, select "Click to Verify."
   
   
   
8. You will then be prompted to input the three amounts received into your other account. Once you have done so, click "Confirm."
   
   
   

Success!
Once you have succesfully completed the verification process, your external checking account will be listed on the external transfers page and you can then request transfer of funds from that account to your EFCU credit card or loan (external transfers to your EFCU mortgage are not currently available). To set up an external transfer, click "Request."

Once the process for connecting your external checking account is complete, you may make an external transfer by selecting "Request" and completing the following steps:

1. After selecting "Request" a page labeled "Request Money" will open. On that page, under "From," select the external checking account you intend to transfer funds from. Under "To," select the EFCU loan or credit card you want to transfer the funds to. Enter the amount you wish to transfer under "Amount." External Transfers can be set up as recurring or one-time payments. To set up a one-time payment, select "once" under "Frequency." To set up a recurring payment, choose one of the other options from the "Frequency" dropdown menu. Once you have completed the above steps, select a date you wish your one-time payment to occur on or your recurring payments to begin on. A comment section is available to add any notes or comments for your own reference. Once you have completed the sections on this page, select "Submit."
   
   
2. After selecting "Submit" a page labeled "Confirm Transfer" will open. Review the settings you selected for the external transfer for accuracy, read the "ACH Origination Terms and Conditions Agreement" and select "Confirm" if the information is accurate and you agree to the terms and conditions.
   
   
3. After selecting "Confirm," the next page should confirm the transfer request has successfully been submitted and will provide a summary of the transaction settings. You may print this page for your records and, when you are done, select "Done."
   
   

Success!
After completing the above steps you will be returned to the "External Transfers" page and a new section labeled "Activity" should be visible. Any external transfers you have set up that are currently active will be listed here.

If you are experiencing complications with your account connecting to Quicken, you may need to reset the connection by deactivating and then reactivating the one step update option in Quicken. To do so, follow these steps:

1. Open Quicken and press the Ctrl + A key and this will bring up the account list. In this window you will see all the accounts that are configured in Quicken. You will see an "Edit" button to the right of each account.
   
2. Click on the "Edit" button. This opens a new window with tabs on the top. They are "General", "Online Services" and "Display Options." Click on the "Online Services" tab and select "Deactivate."
   
3. After clicking "Deactivate," you will be prompted to select "Yes" or "No." Click "Yes." Now one step update should be turned off.
   
4. Once you have deactivated one step update, log in to your EFCU account and manually download your accounts into Quicken. To do so, for each account you wish to link to Quicken, open the account details and select "Quicken (QFX)" from the dropdown at the bottom right corner of the page and click "Download."
   
5. After clicking "Download," you should see a box asking to link or create a new account. Make sure you select "Create a new account" and choose the correct account type from the dropdown menu before clicking "Import."
   
6. You will need to repeat steps 4 and 5 for each account you wish to have setup in Quicken.
   
7. To turn Quicken One Step Update back on, click on the Set up now button. This will bring up a window asking for your username and password. (Please note, if you are still using your account number as your username, you should input your exact 5 or 6 digit account number with no leading zeros.) Follow the steps to finish activation.

If you are experiencing difficulty with the mobile app accepting a check deposit, please consider the following:

• The endorsement
  If you receive an error message regarding your endorsement:
  • Be sure to sign the back of the check with your name, today's date and the phrase "for mobile deposit only at EFCU"
  • "For mobile deposit only at EFCU" must be written on the check clearly
  • Be sure not to write, stamp or sign below the line that instructs you not to do so.

• Image quality
  If the front or back of the check is denied:
  • try rotating it 180 degrees (if your endorsement is on the right, rotate the check so that it is on the left and vice-versa)
  • making sure there is ambient lighting, the check should be well lit but with no hard shadows
  • make sure there are no creases or wrinkles on the check, if so do your best to smooth them out.

• Connectivity
  If the check is denied or you receive an "SSO Error" message, it may be that your connection is poor and broke some time between logging in and attempting to perform a mobile deposit.
  • Be sure you have a good connection when attempting a mobile deposit.
  • It may help to turn off your wifi or cellular data, whichever signal is weaker.

Other Info

Cross Account Authorization
When depositing a check through the app, it will prompt you to select a suffix and displays a list of available suffix types (checking, savings, etc). If you have cross-account authorization with another member, we recommend nicknaming your suffixes to avoid confusion when depositing a check through the app, as it can sometimes be difficult to determine which suffix belongs to who.