Membership Benefits
Opening a YEFCU checking account means opening up your funds to a variety of opportunities.
- No minimum balance required
- Automated banking systems
- Unlimited transactions
Checking Account Features
Your checking account is just at your fingertips with these convenient features.
Our mobile app and online banking services provide our members with access to their account details, the ability to transfer their funds 24/7, and the option to pay their bills through bill pay.
YEFCU members have immediate access to their paycheck funds through our direct deposit system, and the mobile deposit option through our mobile app is a convenient way to deposit checks from the comfort of your home.
MasterCard Debit Card
Request a MasterCard Debit Card upon opening your checking account, or anytime after. You can use your free YEFCU debit card wherever MasterCard is accepted for payment and take it to withdraw cash surcharge-free at select ATMs across the country.
Overdraft Protection
Mistakes happen. Avoid overdraft headaches by opting in for one of our overdraft protection services when opening your checking account.
If there are not enough funds in your checking account to cover a check, we’ll automatically transfer the needed funds from your regular share (savings) account. This service has a per transfer fee and you may use it up to 6 times per month.
If you have any form of automatic deposit of at least $500/month deposited into your checking account, you are eligible to opt-in for our Courtesy Pay program. Under this program, we cover overdrafts of up to $500 for a flat per day fee until the funds are replaced in full.