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Share Draft Checking Our checking has no monthly service charge and no minimum balance is required. All check orders come with carbon copies so you never have to worry about forgetting to record a check you've written. You can also pull copies of cleared checks from your home banking account when needed. We also offer a free Mastercard debit card for the account and have additional services you can apply for such as Courtesy Pay and Overdraft Protection. Requirements & Benefits: The minimum balance required to open a checking is $25.00, although after the initial deposit, the account does not have to stay at a $25.00 balance. Golden Sparklers Club If you are 55 years of age or older, you qualify for the Golden Sparklers Club. A benefit of being a Golden Sparkler is that your check orders are free of charge. What are you waiting for? Online Bill Pay Not interested in writing checks and want to save on postage? EFCU online bill pay is available to all members with an EFCU checking account. The service is free of charge. Learn more! Mastercard Debit Cards Now you can have the convenience of a Mastercard debit card and reduce the number of checks you write at the same time. Our Mastercard debit card works just like a credit card only it will access your checking account like a check. An overdraft/line of credit is also available at 15.50% APR. So you'll never have to worry about overdrawing your account. |