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