Checking

Discover the many benefits of a checking account at ECFCU with no minimum balance requirements, no monthly service charge on personal accounts, and unlimited check writing.  Plus, you can get FREE bill pay, check images, and eStatements through ECFCU Internet Teller. (Sign up for ECFCU Internet Teller.)

Visa Debit Card

Access funds from your checking account every day, everywhere.  It’s more convenient than writing checks and safer than carrying cash.  The Visa Debit Card deducts funds from your ECFCU checking account and can be used wherever Visa is accepted.  You can also use your card at more than 30,000 surcharge-free CO-OP Network ATMs nationwide.  (Apply for Visa Debit Card.)

CardNavSM by CO-OP

Control when and where your debit card can be used, turn your card on/off, search for nearby ATMs, view balances, as well as view and act on instant alerts when transactions are processed. CardNavSM by CO-OP is a free smart phone app available from your app store. (View more information.)

Direct Deposit

Relax on payday and know that your funds are already in your account by signing up for direct deposit.  ECFCU can accept deposits from any employer or other entity that utilizes direct deposit services.
(View the standard Direct Deposit form.)

Overdraft Protection

Protect your checking account from overdrafts by choosing the protection plan that’s right for you.  We can automatically transfer available funds from your savings account(s) and/or line of credit, in any combination, to cover overdrafts to your checking account.  No more worrying about bouncing a check or being turned down at the ATM.  (Apply for a line of credit/overdraft protection loan.)

Courtesy Pay

For those times when you’ve miscalculated in your checking account, courtesy pay is here to help.  If you have direct deposit of your payroll or retirement to your ECFCU account, we can pay overdraft items within 48 hours of your upcoming deposit.  (Some limits and fees apply.  Courtesy Pay Protection may not be available to all members.)