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Share Draft/Checking

We offer FREE checking with no monthly service charge or minimum balance
requirement. All check orders come with carbon copies so you never have to worry about forgetting to record a check you've written. You can pull copies of cleared checks from your online banking account when needed. We also offer a free Mastercard debit card for a Share Draft/Checking account and have additional services you can apply for such as Courtesy Pay and Overdraft Protection.

Requirements & Benefits:

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.

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. 

MasterCard Debit Cards
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.


Courtesy Pay
If you are eligible, we will cover overdrafts from checks, ATM withdrawals, ACH transactions and debit card transaction up to $400.00 with a $30.00 fee assessed for each item.
If you are not signed up, please contact us to enroll!
Put your debit card and your phone together and you have MobiMoney. MobiMoney is the mobile app which allows you to manage your card anytime, anywhere!  From spending limits to transaction alerts, MobiMoney comes with card controls to help keep your money safe. Download the app today from the Apple App Store or get it on Google Play.  Click here to learn more about MobiMoney! (you will be directed to another website). 

 Download the Sprig app today!

Disclosures  /  Privacy Policy  / Newsletter / Routing Number: 302075416  / NMLS #: 1028973 
Electrical Federal Credit Union • 5080 W 60th Avenue, Arvada, CO  80003
    Phone: 303.428.5080 • Toll-Free: 1.888.428.5080
Main Email Address: memberservices@electricalfcu.org  
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NCUAEqual Housing Lender
             Federally Insured by NCUA           An Equal Housing Lender
Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
 National Credit Union Administration, a U.S. Government Agency.
APY = Annual Percentage Yield | APR = Annual Percentage Rate
*Rates are based on an evaluation of credit history, so your rate may differ. 
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