Checking Accounts
Free Checking. No Catches. No Kidding.
Many banks claim to offer free checking, only to ding you with large minimum balance requirements and nuisance fees. Education Personnel Federal Credit Union offers truly free checking with no minimum balance requirement, unlimited check writing and many other perks.
Free Mobile Access
Our free mobile app gives you quick access to account information and uses your device's built-in functions to provide a better banking experience while you’re on the go.
- Access your account balances and history.
- Deposit a check remotely.
- Find an ATM.
- Apply for a loan.
The app is available in the Apple Store for iPhone and Google Play for Android.
Apple, the Apple logo, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc.
Free Visa® Debit Card/ATM Card
Check your balance, make deposits, withdraw funds or complete purchases quickly and securely – a debit card from EPFCU offers the convenience of a debit card and security of an ATM card all in one.
- No monthly charge.
- Transactions are deducted from your checking account automatically.
- Use your card at thousands of ATMs and merchants worldwide.
- Swipe and sign to enjoy the greatest purchasing power and security.
- Save money by replacing your checks with debit card use.
Overdraft Protection
Free Automatic Overdraft Transfer
As a valued member with a checking account, you automatically receive our free overdraft protection service. If you have funds in your savings account, we will automatically transfer funds to your checking account to cover any transactions that exceed your available balance. This helps you avoid bounced checks and merchant penalties without any extra cost.
Overdraft Loan Option
For additional peace of mind, you can apply for an overdraft loan. By linking your checking account to an overdraft loan, the credit union will automatically draw funds to cover transactions when your checking balance falls short. This option is often more cost effective than traditional overdraft fees, as you only pay interest on the amount borrowed. Protect your accounts and avoid costly fees with this flexible borrowing solution.
Direct Deposit
The convenient and safe way to get paid. We want to make your banking life as easy as possible, that’s why we accept payroll, retirement, government, child support and investment checks in the form of direct deposit. If you would like to receive your paycheck without having to deal with the hassle of coming into the credit union, check with your employer to see if they offer direct deposit.