Plus, you'll also earn dividends when you maintain an average daily balance of $2,500 and sign up for Direct Deposit into your checking account.
"(The credit union offered) most of the benefits we need for our purposes [like] direct deposit and mobile check deposit."
Pastor, St. Philip Lutheran Church Glenview, Illinois
Checking accounts include the following FREE services:
Mobile App: Account Access Whenever, Wherever
- Deposit checks using Remote Deposit Capture*
- Search for a free ATM nearby
- Pay bills
- Transfer funds to/from internal and external (A2A) accounts
- Send money to anyone by text or email using person-to-person payments (P2P)
- Sign up for eAlerts and much more
*First-time remote deposit users must complete a brief enrollment process. Launch our app, select Remote Deposit and then click Sign Up to enroll. New users are typically approved by the following business day. Normal check-hold policies apply.
Free Debit Card: Faster, Easier, Greener
Free Bill Pay
- Set up reminders so you’ll never be late with a payment again
- Set up recurring payments to pay your bills automatically
Free ATM Access: You are Free to Travel
Free Overdraft Protection: Freedom from Overdraft Fees
- Elect to have checking overdrafts paid from your savings account, or
- Tie your checking account to your personal line of credit. Your personal line of credit will automatically loan you enough money to cover any overdraft up to your credit limit. (You must apply and qualify for a personal line of credit to use this feature.)
- When your account balance is above or below a designated threshold
- When an ACH deposit or withdrawal occurs
- Loan payment due date
- General account notices for overdrafts, CD maturity and more
Free Online Banking: Freedom to Bank from Wherever You Are
- Access all of your account details online, including account balances, pending transactions and a complete transaction history with links to images of checks
- Transfer funds between your savings and checking accounts, credit cards and loans
- Open a checking account, secondary savings account or CD
- Apply for a loan or credit card
- Get your free monthly eStatement online as soon as it’s ready. No waiting for the mail. And because it’s paperless, it’s the green way to bank.
- Set up free eAlerts to let you know if an account balance is low or high, when an automatic withdrawal or deposit is made or when a loan payment is due
- Complete Member-to-Member (M2M) transfers, which allow you to transfer funds immediately and directly to other ELCA Federal Credit Union members
- With Account-to-Account (A2A) Transfers you can link your ELCA FCU account with your accounts at other financial institutions and transfer funds to and from these accounts free of charge.
- Quickly and easily transfer funds to anyone using Person-2-Person (P2P) payments. All you need is an email address or cell phone number. This service is free of charge and in most cases, the money arrives in just a couple of days. Must be enrolled in our free bill pay.
Free Bank by Phone with CU*Talk
- Check balances
- Transfer funds between accounts
- Hear recent account activity such as recently cleared checks
CU*Talk is available in English and Spanish and it’s completely free.
Free Direct Deposit: You are Free to Spend (and Save!)
- Automated transfers to your savings accounts
- Paying your bills online or by telephone with our free Bill Pay
- Paying down loans with automatic transfers to your loan accounts or credit card
- Shopping around town or online with your ELCA Federal Credit Union Mastercard Debit Card