Overwhelmed by all the options in checking accounts? Don't be! At Evansville Federal Credit Union, we've taken all the best features and rolled them into Choice Checking™.

  • No monthly service fees
  • No minimum balance requirement
  • Visa® Debit Card
  • Overdraft Protection
  • Overdraft Courtesy Pay
  • Write up to 40 checks a month at no charge (over 40 is 10 cents each)
  • Earn dividends on balances of $500 or more

Overdraft Protection

It happens to all of us. You make a mistake in your checkbook. You're a little short of cash right before payday. Unforeseen circumstances popped up at the wrong time.

As a member of Evansville Federal Credit Union, everyone who has a Choice Checking™ account automatically has Overdraft Protection, a benefit of membership that protects you should an overdraft occur. If an overdraft occurs, your checking account will overdraft to your savings account and a fee of $3.00 will be charged to your account.

Relax...we've got you covered!

Overdraft Courtesy Pay

Overdraft Courtesy Pay is a little different from Overdraft Protection, because it also protects you if an overdraft occurs and the funds aren't available in your savings account. If you have Overdraft Courtesy Pay, the check will be paid on your behalf. You will have to deposit the funds to cover the amount of the overdraft, plus a $25.00 fee, but your credit rating is protected and there is no embarrassment of a returned check.

Overdraft Courtesy Pay disclosure

Overdraft Courtesy Pay Opt-in Form

Switch Kit

Ready to switch to Choice Checking? We make it easy with EFCU's Switch Kit!