Do you work your checking balance to $0, or do you prefer to keep plenty of padding in your account? Are you a power-check-writer, or do you only seldom touch the account? We have the right account, no matter what kind of check writer you are.

SPOTLIGHT ON SHARE DRAFT

• No minimum balance
• Dividends earned on balances of $2,500 or more—no hassle of changing to a "dividend-earning" share draft account
• Dividends calculated daily and compounded (paid) monthly!
• Free Online Banking
• No monthly fee
• Unlimited check writing without any per-check processing fees
• Free MasterCard Debit Card
• Overdraft Protection
• Surcharge-free, unlimited ATM access at CO-OP ATMs in the U.S. and Canada
• Anytime access by phone (ARTS line) and online banking for balances and transfers

Excellence in Debit Cards

Escondido Federal Credit Union's MasterCard Debit Card fits in your wallet but can replace your checkbook. It works like a MasterCard credit card but accesses funds from your EFCU share draft account. No interest to accrue or balance to pay off. Swipe the card rather than write a check. How convenient is that?!! Your MasterCard Debit Card is accepted wherever MasterCard is. Even where checks aren't!