Get all the features you want and none of the monthly fees you don’t. Our ADVANTAGE Checking features:

*Must meet certain eligibility requirements.

Fresh Start Checking Account

Information the credit union receives from Chex Systems may prevent your request to open an Advantage Checking Account. The good news is you may be eligible to open an AFL-CIO EFCU Fresh Start Checking Account:

  • Account Opening Fee: $25.00**
  • Monthly Service Fee: $10.00
  • Minimum Balance: None
  • Dividends Earned: None
  • Courtesy Pay: $0.00
  • Debit Card: $300.00 Daily Cash Limit
  • $500.00 Point-of-Sale Daily Signature Transactions
  • Electronic Bill Payment: FREE
  • Online Banking and Telephone Banking: FREE
  • VISA® Debit Card: FREE
  • Surcharge-Free ATM’s: 30,000
  • Shared Branches: 5,000
  • ID Theft 911 Resolution Services
**Your account will be opened after receipt or transfer of the $25.00 Account Opening Fee.

Essential Checking Services

VISA® Check/Debit Card

Use it as an ATM card, or use it to make purchases directly from your checking account wherever you see the VISA® logo. To avoid charges for withdrawals from foreign ATMs, look into our Membership Rewards program. Find an ATM near you.

Courtesy Pay

Ever bounced a check? Maybe it was a math error or an unexpected expense. Courtesy Pay eliminates the cost and embarrassment of a returned check and gives you the security of knowing your overdrafts will be paid. With Courtesy Pay a service fee will be charged; however, you save the costly expense of additional fees associated with returned checks.

Overdraft Opt-In Form  |  Courtesy Pay Disclosure