Additional Services

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

Nationwide Credit Union Shared Branching Network

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50,000+ Surcharge Free ATMs Nationwide

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Call Center Assistance


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.
  • EFCU Financial members have access at 50,000+ surcharge-free ATMs across the country in the MoneyPass®, Allpoint® and Dolphin® Networks, at all WalMart Murphy Oil Stations in the Baton Rouge area and at CVS stores throughout Louisiana  

Visa® Gift Cards

Apple Pay™

Use your EFCU Financial consumer debit card with Apple Pay™, the easy, secure, and private way to pay. Use Apple Pay with compatible iPhone models to pay in stores without swiping your cards and in apps without entering payment and contact information. Just pay with a single touch of your finger using Touch ID.

With Apple Pay, instead of using your actual debit card number when you add your card, a unique Device Account Number is assigned, encrypted and securely stored. And when you make a purchase, the Device Account Number alongside a transaction-specific dynamic security code is used to process your payment. So your actual debit card number is never shared by Apple with merchants or transmitted with payment.  In addition, paying with Apple Pay is private as the cashier never sees your name, card number or security code.

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Safe Deposit Boxes

Night Drop Boxes


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. 

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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.

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Wire Services

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Cashier Checks, Money Orders & Postage Stamps



Insurance protection is part of a solid financial plan. From getting a good rate on coverage for your car to making sure your life insurance is adequate, dependable insurance coverage ensures financial relief when you need it. And along the way, you’ll take comfort in knowing you’re protected.  Through our partnership with TruStage, we offer Health, Auto, Home, Life and Accidental Death & Dismemberment Insurance options.

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Financial Calculators

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* special services fees, such as stop payment, NSF, etc. do not apply.
**Subject to credit approval.
† Refer to EFCU Financial’s Agreement and Disclosures for a list of eligibility requirements.
‡Not NCUA or federally insured. Are not obligations of or guaranteed by EFCU Financial. Involves Investment risk. May lose value.