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Checking Services

Gone are the days when checking accounts were just about checks. At EFCU, we offer supporting services that bring you and your checking account everything it needs for today and tomorrow.

Visa® Debit Cards

Wherever you go, whatever you do, you’ve got to pay your way. And this is your way – a Visa® Debit Card from EFCU. It’s a flexible way to make purchases anyplace Visa is accepted and get cash back almost anywhere.

  • Ability to conduct transactions as a debit card or a credit card
  • More secure and convenient than cash
  • Free to use, with no service fees
  • Easy to use at millions of locations worldwide
  • Instant issue service available in all branches
  • CardNav app for added security

To apply for your Visa Debit Card, give us a call at 775.738.4083 or stop by your nearest EFCU branch.

Overdraft Services

We understand mistakes happen, like when your account becomes overdrawn. We offer several kinds of overdraft services to help:

  • Overdraft Protection – Automatically transfer funds from your Share Savings Account to cover overdrawn amounts with this convenient service.
  • Overdraft Loan – Apply for a loan to provide funds for transactions when your account balance comes up short. (Subject to loan department underwriting and approval.)
  • Courtesy Pay Service – As a courtesy, EFCU will consider covering certain transactions that cause your account to be overdrawn in order to help you avoid paying merchant fees. See Courtesy Pay Service Policy 
Note: The Overdraft services above are listed in the order of most to least financially prudent.