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Additional Services

Meeting your financial needs is our goal. Below is a listing of additional services to do just that.

24/7 Call Center Assistance

Nationwide Credit Union Shared Branching Network of 5,300+ Locations

30,000+ Surcharge Free ATMs Nationwide

VISA® Debit Card - FREE with any Checking Account at account opening

An EFCU Financial VISA® debit card gives you unlimited, free access to your checking account. It’s convenient, easy to use and doubles as an ATM card. Use your debit card to make purchases or withdraw cash:

  • VISA® debit cards can be used at most merchants, just like cash. They’re also a great way to make purchases online!
  • Use your card to get cash back at many grocery stores or retailers.
  • Our debit cards are EMV chip embedded, making all transactions unique for a more secure purchase.
  • EFCU Financial members have access at 50,000+ surcharge-free ATMs across the country in the Allpoint® ATM Network
  • Fraud text alerts

Pay with your Smartphone

Pay thousands of vendors with your smartphone and leave your wallet at home!

You can use your EFCU Financial debit card and credit card with Apple Pay®, Google Pay®, and Samsung Pay®, the easy, secure, and private way to pay. Use your phone to pay in stores without swiping your cards and in apps without entering payment and contact information.

With this service, a unique Device Account Number is assigned, encrypted and securely stored in your phone's "wallet" instead of using your actual credit and debit card numbers. And when you make a purchase, the Device Account Number alongside a transaction-specific dynamic security code is used to process your payment. Your actual credit or debit card numbers are never shared by Apple with merchants or transmitted with payment. In addition, paying this way is private, as the cashier never sees your name, card numbers or security code. 

Overdraft Protection

With EFCU Financial’s Overdraft Protection, pre-designate a savings account or a pre-approved E-Line of credit to connect to your EFCU Financial checking account. When an insufficient funds item occurs, we’ll transfer money* from your pre-designated account to cover it rather than returning it unpaid. You’ll never have to deal with insufficient funds using this service!

Courtesy Pay

With EFCU Financial's optional Courtesy Pay, rather than automatically returning unpaid any insufficient funds items on your EFCU checking account, we will consider, without obligation on our part, paying your reasonable overdrafts up to your assigned Courtesy Pay limit. This optional service is available on certain types of EFCU Financial checking accounts. You may sign up for this service when you open an eligible checking account.*

Declining Courtesy Pay will not cost you anything. If you use Courtesy Pay (have an insufficient funds transaction), you will be charged our customary fees as set forth in our Member Fee Schedule. 

Direct Deposit & Payroll Deduction

Tired of standing in line each week to deposit your paycheck? Save time and gas with Direct Deposit, a fast, convenient and easy way to deposit your paycheck. With Direct Deposit, your money automatically goes into a designated account each payday so it’s available for immediate withdrawal. Direct Deposit may be utilized for checks from your employer, a retirement plan or from Social Security. Stop by your nearest EFCU Financial branch for details or make a request through your employer's payroll office. Plus now when you sign up for Direct Deposit, you may be able to receive your paycheck up to 2 days earlier! In fact, ALL Direct Deposits are posted on the day we receive them. No more waiting for your money!**

Cashier Checks

Money Orders

Wire Services

External Account to Account Transfer Service

Safe Deposit Boxes

Night Drop Boxes

*A $2.00 fee will be charged anytime we transfer funds from your savings account or your eLine into your checking account to cover a potential overdraft. Funds are transferred in $100 increments.

**Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds are subject to payer's support of the feature and timing of payer's funding.