Checking Accounts 

Putting money in a savings account is a great idea, but most of us need to use our money, too. Our checking accounts give you easy access to your money, and

when you add a Visa Debit card plus Online Banking and/or Mobile Banking, you have worldwide, 24/7 access to the funds in your account.

Yes! Your Funds are Safe & Insured

Your accounts are FEDERALLY insured to at least $250,000 and backed by the full faith and credit of THE UNITED STATES GOVERNMENT, National Credit Union Administration, a U.S. Government Agency. Visit mycreditunion.gov to learn more about your Share Insurance Coverage and to access resources including a Share Insurance estimator tool, publications, videos, and more.

Checking Accounts

FOR THE FORTH YEAR IN A ROW, WE COMMITTED TO WAIVING THE $3.00 MONTHLY SERVICE CHARGE / NO MINIMUM BALANCE REQUIREMENT!!! (Normally, there is no monthly service charge if you Direct Deposit (EFT) your paycheck, pension or Social Security payment or maintain a $400 minimum checking balance daily or maintain a savings or certificate balance of $5,000. Otherwise there is just a $3.00 per month service charge.)

No monthly service charge for all of 2025!

Starter Checking Accounts

FREE! For members ages 13 to 22, you will receive an EIFCU VISA debit card with reduced limits. There is no monthly service charge until you reach the age of 23 and then only assessed when applicable. In addition, you will receive starter checks. *Members ages 13 to 17 will be required to have a qualifying parent or guardian sign to accept responsibility.

  • Free VISA debit card with smart limits

  • No monthly service charge fees

  • Initial deposit only $20.00

  • No minimum or maximum balance fees

  • Free monthly statements

  • Easily manage money through online & mobile banking access

  • Tap. Snap. Deposit. Remote deposit checks using mobile banking

  • Debit card control (freeze/unfreeze) using online & mobile access

  • Go Green, help save the environment, and receive free eStatements

  • Direct deposit available

  • First box of checks free

  • Joint ownership for parents

  • Find surcharge free ATMs using Alliance One network

Once a member, always a member.

When you open an account with us, you’re a member for life, as long as the account stays open. You can move and take us along!