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!
- 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