CHECKING ACCOUNTS
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![A man and women discussing finances while sitting on the couch.](https://44726801.fs1.hubspotusercontent-na1.net/hub/44726801/hubfs/Imported%20sitepage%20images/couple-rebuilding-finances-bad-credit.jpg?width=300&name=couple-rebuilding-finances-bad-credit.jpg)
Looking for a fresh start? Our Second Chance Checking Account is perfect for those with a less-than-perfect banking history. You'll have the opportunity to rebuild your financial record and unlock additional benefits after 12 months of responsible financial behavior and account management. Don't forget to inquire about our Second Chance Debit Card!
ADDITIONAL FEATURES
All of our outstanding personal checking accounts come with:
Bank on your terms without minimum balances or restrictions. Experience flexible and simple banking with us today.
Enjoy the convenience and flexibility of unlimited check writing with EFCU.
Eliminate monthly service fees with EFCU and keep your money in your pocket hassle-free.
Access over 30,000 CO-OP ATMs nationwide for easy and secure fund access on the go.
Our checking accounts come with convenient services like Direct Deposit, online, and mobile banking options.
CHECKING SERVICES
Experience the convenience and innovation of modern banking with EFCU's enhanced checking account services. From online banking to mobile deposits, we offer a comprehensive suite of tools to streamline your financial management. Say farewell to outdated banking norms and embrace a brighter future with EFCU by your side.
- Visa® Debit Cards
- Overdraft Services
Visa® Debit Cards
Whether you're traveling abroad or just running errands around town, having a Visa® Debit Card from EFCU in your wallet is the ultimate convenience. With the ability to make purchases at any location that accepts Visa®, and the option to easily withdraw cash from ATMs, this card truly is your ticket to financial freedom. Say goodbye to the hassle of carrying cash and hello to a seamless shopping experience with our Visa® Debit Card.
- Ability to conduct transactions as a debit card or a credit card
- More secure and convenient than cash
- Free to use, with no service fees
- Easy to use at millions of locations worldwide
- Instant issue service available in all branches
- CardNav app for added security
To apply for your Visa Debit Card, give us a call 775.738.4083 or stop by your nearest EFCU branch.
Overdraft Services
We understand mistakes happen, like when your account becomes overdrawn. We offer several kinds of overdraft services to help:
Overdraft Protection – Automatically transfer funds from your Share Savings Account to cover overdrawn amounts with this convenient service.
Overdraft Loan – Apply for a loan to provide funds for transactions when your account balance comes up short. (Subject to loan department underwriting and approval.)
Courtesy Pay Service – As a courtesy, EFCU will consider covering certain transactions that cause your account to be overdrawn in order to help you avoid paying merchant fees. See Courtesy Pay Service Policy.
Note: The Overdraft services above are listed in the order of most to least financially prudent.
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