Checking Accounts

Three options for your checking needs

Couple at kitchen table looking at a laptop computer

A checking account is a deposit account for securely and quickly providing access to your funds on demand through various channels.

We offer several checking account choices based on your account activity level and average balance.

Checking Account Type/Benefit Premium Student Value
Minimum balance to open $25.00 $25.00 $25.00
Monthly service fee $5.00* None $10.00
No per check charges Yes Yes Yes
No charge for deposits Yes Yes Yes
Unlimited monthly transactions Yes Yes Yes
Home Banking and CU Access Yes Yes Yes
VISA® Debit Card Yes Yes Yes
Overdraft protection available Yes
Overdraft transfer and privileges available Yes Yes Yes
Free Online Banking Yes Yes Yes
Free Bill Pay Service Yes Yes Yes
Free E-statements Yes Yes Yes
Free Mobile Banking Yes Yes Yes
Free Annual Credit Report Yes Yes Yes
Free Text Account Information / Text Alerts Yes Yes Yes
Free & Unlimited transactions at Education First Credit Union ATMs Yes Yes Yes
Free transactions at NON-Education First Credit Union ATMs 4
$2/txn over 4
$2/txn over 4
$2/txn over 4

All deposit accounts are Federally insured by National Credit Union Administration (NCUA) and Excess Share Insurance (ESI).

View our Deposit Rates

View our Fee Schedule

* Monthly service fee of $5 is waived with one of the following: maintain an average monthly checking account daily ledger balance of $500, 15 debit card transactions per month (signature based), $5,000 in aggregate loan balances, $5,000 in aggregate savings balances, have an Education First Credit Union Visa Platinum Credit Card.

Not all members will qualify for a checking account. Education First Credit Union reserves the right to refuse to establish any checking account service based on previous or other account performance.  Education First does not charge a fee for the use of our mobile banking service. Depending on your service data plan, you may incur web charges or text messaging fees. Check with your mobile service carrier to get more information.