Escondido Federal Credit Union

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Checking Accounts

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.


Share Draft Checking

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 online banking for balances and transfers


MasterCard™ Debit Card

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!

debit card
  • 24/7 checking account access
  • Access to more than 30,000 surcharge-free ATMs nationwide
  • Accepted at retail merchants worldwide wherever you see the MasterCard™ symbol
  • No annual fee or monthly transaction charges

Open an Account

  • Visit one of our branches
  • Call us at (760) 839-6225