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Routing Number: 263178070

EFCU Payment Services

Bill Payer

Free with a minimum of 3 Bill Payer transactions monthly, Bill Payer allows you to schedule as many one-time or recurring payments as you like up to a year in advance. Scheduled payments may be added, removed, or edited at your convenience. Bill Payer requires online account access.
To setup Bill Payer or to learn more, log in and click the "Bill Payer" button located under the 'eServices' tab.

ACH Origination

Also known as automatic electronic payments, ACH Origination allows you to make electronic loan payments to other institutions, or pay your EFCU loan with funds automatically transferred from another institution.
To set up an automatic electronic payment, you may speak to an EFCU representative at a branch or contact Member Services by phone at 850.862.0111 (option 4) or secure email.

Periodic Transfer of Funds (PTOF)

Arrange for an automatic transfer of funds from shares at EFCU to other EFCU share suffixes or loan suffixes. There's no fee and you choose the date and frequency. PTOF can be set up for one-time or recurring transfers and cross-account transfers are available with proper authorization.
To establish a PTOF and for more details sign in to your account online and select 'Scheduled Transfers' under the 'Transfers' tab in the navigation bar.

Online Payments

Make secure, convenient, and quick payments and deposits to your EFCU Accounts, Loans, or Mastercard online or by phone.
  • Payments to a Loan or Mastercard (FREE): Pay from your checking account at another financial institution using the External Transfers feature inside of our online banking platforms. This one-time or recurring payment is processed within one business day. Learn more about External Transfers.Please note: Initial setup may take several days.
  • Deposit to your Checking or Savings: Make a deposit to your EFCU account from a checking account at another financial institution. This one-time deposit is processed within 24 hours (one business day). A $3 fee per transaction applies. Visit the Payment Center to set up your deposit.
  • Pay by Phone: Make a deposit or loan payment with your non-EFCU debit credit card (excludes Visa). This one-time payment is processed within 2 business days. A $10 fee per transaction applies, covering up to three payments. To make a payment by phone, call 850.862.0111 (option 4).

Mobile Wallets

Our debit and credit cards can be used in conjunction with Apple PayTM, Samsung Pay® and Google PayTM. Click the link below to learn more about mobile wallets.

Courtesy Pay

Members with qualified premium checking accounts may authorize the Credit Union to pay for debit card purchases made at a store, online or by telephone when there are not available funds in the account.
For more information and to set up Courtesy Pay: Fill out this online form and submit via DocuSign, speak to an EFCU representative at a branch, or contact Member Services by phone at 850.862.0111 (option 4) or secure email.

Overdraft Protection

Overdraft Protection (ODP) for your EFCU Checking Account can prevent returned checks and declined purchases. ODP works by accessing one of your other qualified EFCU account types when your checking account does not have sufficient funds. Qualified EFCU account types include Mastercard Credit Cards, Regular Share Savings, Money Market, Line-of-Credit Signature loan or any combination thereof. To set up Overdraft Protection speak to an EFCU representative at a branch or contact Member Services by phone at 850.862.0111 (option 4) or secure email.

Direct Deposit

Easy and convenient, Direct Deposit automatically transfers your paycheck into your EFCU Accounts electronically. When establishing Direct Deposit, you can specify how much of your income will be deposited into each of your accounts.
To set up Direct Deposit, you may speak to an EFCU representative at a branch or contact Member Services by phone at 850.862.0111 (option 4) or secure email.

CO-OP Network

Through CO-OP Shared Branch and ATMs, credit unions from all over the country are connected to give members thousands of convenient locations to perform transactions just as if they were in their home credit union. Whether you are at work, home, or your favorite travel destination, EFCU is always nearby.