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EFCU Payment Services

Bill Payer

Schedule as many one-time or recurring payments as you like up to a year in advance. To setup Bill Payer or to learn more, log in and click the "Bill Payer" button located under the 'eServices' tab.

ACH Origination

ACH Origination allows you to make electronic payments to your loans at other institutions, or pay your EFCU loan with funds automatically transferred from your account at another institution.

Periodic Transfer of Funds (PTOF)

Arrange for an automatic transfer of funds from shares at EFCU to other EFCU share suffixes or loan suffixes.

Online Payments

Make online payments from your other financial institution to your EFCU loan or credit card.

Payment Center

Make a deposit to your EFCU Checking or Savings account from a checking account at another financial institution.

Pay by Phone

Make a deposit or payment to your EFCU account with your non-EFCU debit or credit card (excludes Visa).

Mobile Wallets

Our debit and credit cards can be used in conjunction with Apple PayTM, Samsung Pay® and Google PayTM.

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.

Overdraft Protection

Overdraft Protection (ODP) for your EFCU Checking Account can prevent returned checks and declined purchases.

Direct Deposit

Automatically transfer all or some of your paycheck to your EFCU Accounts electronically.

To set up Direct Deposit, contact us by phone at 850.862.0111 (option 4) or secure email or come into a branch.

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.

 Text your ZIP code to 91989 to find a surcharge-free CO-OP ATM near you