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.
Lost/Stolen Number: 1.800.528.2273 or 812.647.9794 for International Card Holders.
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. To learn how to sign up or to find out more, please view the Courtesy Pay page here.