Checking Accounts


Advantage Checking

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

  • No minimum balance

  • No monthly fees

  • FREE electronic bill payment

  • FREE online banking and telephone banking

  • FREE Visa Check Card-use it as an ATM card, or use it to make purchases directly from your checking account wherever you see the Visa logo

  • Access to over 30,000 Surcharge Free ATMs bearing the CO-OP or Allpoint logo

  • Over 5,000 FREE shared branches

  • An overdraft line of credit*

  • Courtesy pay disclosure

*Must meet certain eligibility requirements.

Fresh Start Checking Account

Information the credit union receives from ChexSystems 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**
  • Monthly Service Fee: $10
  • No Minimum Balance
  • No Dividends Earned
  • $0 Courtesy Pay
  • $300 Daily Cash Limit Debit Card
  • $500 Point of Sale Daily Signature Transactions
  • FREE Electronic Bill Payment
  • FREE Online Banking and Telephone Banking
  • FREE Visa Debit Card
  • Access to over 30,000 Surcharge Free ATMs
  • Over 5,000 Shared Branches

**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. 

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.