Free Premium Checking

How do I open a Checking Account?
To open a checking account with Eglin Federal Credit Union, you must be a member and satisfy requirements for qualification. Establishing a checking account is subject to review of your consumer report. If you would like to open a checking account, please visit a branch or call us at 850.862.0111, Option 4.

Can I open a second Checking Account?
No, the Credit Union only offers one checking account. Free Premium Checking is available.

Can I open a second Checking Account?
Our only checking account option is the Free Premium Checking account. We do not offer other types of checking accounts, and each member is limited to one checking account.

How do I order checks?
Initial check orders must be requested by phone or in person at any branch location. You may reorder checks by calling us, visiting a branch, or by selecting "reorder checks" within Online Banking or the Mobile App. Please visit the Service Fees page on our website for Check Printing Fees. Prices vary by style and quantity. Once your check order is complete, you can typically expect to receive your checks within 10 business days, delivered by USPS.

Do you offer starter checks?
We do offer temporary checks as a convenient way to access your funds while waiting for your permanent checks. Please see our Service Fee Schedule for current pricing.

What is the difference between Actual Balance and Available Balance?
Your share accounts have two kinds of balances: the actual balance and the available balance. Your actual balance reflects the full amount of all deposits to your account as well as payment transactions that have been posted to your account. It does not reflect checks you have written and are still outstanding or transactions that have been authorized but are still pending. Your available balance is the amount of money in your account that is available for you to use. Your available balance is your actual balance less: (1) holds placed on deposits; (2) holds on debit card or other transactions that have been authorized but are not yet posted; and (3) any other holds, such as holds related to pledges of account funds and minimum balance requirements or to comply with court orders. We use your available balance to determine whether there are sufficient funds in your account to pay items, including checks and drafts, as well as ACH, debit card and other electronic transactions. Pending transactions and holds placed on your account may reduce your available balance and may cause your account to become overdrawn regardless of your actual balance. In such cases, subsequent posting of the pending transactions may further overdraw your account and be subject to additional fees. You should assume that any item which would overdraw your account based on your available balance may create an overdraft. You may check your available balance through Online Banking or the Mobile App, at an ATM, by visiting a credit union branch or by calling us at 850.862.0111.

What is the difference between current or actual balance and available balance? Your current or actual balance reflects the full amount of all deposits to your account as well as payment transactions that have been posted to your account. It does not reflect checks you have written and are still outstanding or transactions that have been authorized but are still pending. Available balance is the amount of money in your account that is available. The available balance is your current or actaul balance less holds place on deposit, holds on debit cards or other transactions that have been authorized but are not yet posted, holds related to pledges of account funds and minimum balance requirements or to comply with court orders. Available balance is used to determine whether there are sufficient funds in your account to pay items, including checks and drafts, as well as ACH, debit card and other electronic transactions. In other words, the current or actual balance reflects the total amount of money in your bank account, including pending transactions and the available balance is the actual amount you can spend, considering pending payments and deposits. It is important to keep an eye on your available balance to avoid overdrawing your account or having transactions declined. For specific questions regarding holds on your account, please contact our Member Services team at 850.862.0111, Option 4, during business hours.

How do I connect my Checking Account to Zelle, Venmo or other P2P services?
While we do not have direct partnerships with P2P payment networks like Zelle, Venmo, Cash App, or Apple Cash, you may still be able to connect your Eglin FCU Checking Account. Simply follow the instructions provided by the P2P payment network provider on their website. If you encounter any issues, feel free to reach out to our Member Services team at 850.862.0111, Option 4 for assistance.

How do I connect my Checking Account to Zelle, Venmo or other P2P services?
While we do not have direct partnerships with P2P payment networks like Zelle, Venmo, Cash App, or Apple Cash, you should still be able to connect your Eglin FCU Checking Account. Simply follow the instructions provided by the P2P payment network provider on their website. If you encounter any issues, feel free to reach out to our Member Services team at 850.862.0111, Option 4 for assistance.

I was given a check written to me and another individual or entity. Who needs to sign it?
Check endorsement requirements may vary for checks written to more than one person, depending on several factors. Generally, if the check is made payable to two people with the word “and” between their names, both parties will typically need to sign. If the check is made payable to two people with the word “or” between their names, usually only one party needs to sign. For more information regarding check endorsements, or if you are unsure who should sign, please call us at 850.862.0111, Option 4, or visit one of our branch locations during business hours.

How do I get a copy of my check?
To request a copy of a check deposited to or drafted from your Eglin FCU account, please call us at 850.862.0111, Option 4 or visit one of our branch locations during business hours. Please note, there may be research fees on some requests for copies of checks. If you have online account access, you may view and print copies of your checks by clicking the links available in Online Banking and the Mobile App.