Coming Soon! New SimplySmarter Checking

We believe that you should be treated fairly when you do your checking. So we not only have no or low monthly fees, we also make it less likely for you to be charged unexpected or excessive penalties if you ever overdraw your account. Find out more about our FAIR Checking Promise to you.



  • Effective:  01-30-2015
Minimum to Open Current Rate Annual Percentage Yield1 Alert Me
Checking Account $252 0.05% 0.05%
  • 1Rates are subject to change after account opening.
  • 2A minimum daily balance of $500 must be maintained in your account each day to obtain the disclosed APY.

What Makes NEFCU Checking Valuable?

CheckMateTM Debit Card & My Picture Card

Works like a check and an ATM card combined. Accepted wherever Visa is honored. Allows you to get cash back when used for a purchase at many locations. Personalize your debit card with your own photo for free with My Picture Card!

ATM Access 

No surcharge at our ATMs. No surcharge at the Falcon or SUM ATM networks.


Online access to real-time detail.


Phone a live representative for assistance, Monday-Friday 8 am-6 pm, Saturday 9 am-1 pm.


24/7 access allows you to inquire and transact on your accounts by phone.

Account Alerts

Get an email when your balance reaches a certain level, when a check clears or when a payroll deposit is received.

Branch Convenience

Seven convenient locations. Harvest Lane in Williston is open Monday-Friday 8 am-6 pm, Saturday 9 am-1 pm, and the drive-up teller window is open Sunday 11 am-3 pm.

Overdraft Protection

NEFCU provides many different ways to help you avoid NSF (non-sufficient funds) fees. Designate a Share (savings), Power, or Line of Credit account as back up for your checking account. Free for members with more than $25,000 in loans and/or deposits; otherwise there is a $1 or $2 fee, depending on your Participation Rewards level. Call 800-400-8790 to have overdraft protection set up today.

Courtesy Pay

Another service we provide to help you avoid returned checks or other types of denied payments due to non-sufficient funds. Courtesy Pay may be used to help cover check and ACH transactions, BillPay items originated from our online banking service, as well as transactions that you make using your debit card. You do have to "Opt-In" if you want the protection of Courtesy Pay to apply to your everyday debit card transactions.

Your deposits are federally insured up to $250,000 per member by the National Credit Union Administration. Additional coverage may apply based on ownership of account - details and restrictions.

Check Reordering

Get new checks online through NEFCUOnline, by phone by calling 800-400-8790 or by mail.

Participation Rewards


* Loan Balances include Mortgage Balances and VISA Balances.


Other Fees

Top Rewards Member
> $25 K
Bank@Work™ or
Value Member

> or = $5 K
eMember™ Basic
up to $5 K

Checking Accounts (Share Draft)

Monthly Fee

See Pricing Schedule

Per Check Fee

Overdraft Protection
(Share Overdraft Fee)

See Pricing Schedule See Pricing Schedule See Pricing Schedule


Dividends paid on accounts with balances greater than $500

Check Printing

(logo checks only)
(with check style)
(with check style)
(with check style)

CheckMate™ Debit/ATM Card

My Picture Card (personalized photo debit card)

Automated & Electronic Services

Non-NEFCU ATM Network Fee (withdrawals, inquiries, transfers)
There may be surcharges at other financial institutions for ATM transactions.

See Pricing Schedule See Pricing Schedule

NEFCU ATM Transaction

POS & Debit Transaction



See Pricing Schedule

Accountline (automated phone service)

Other Benefits

ATM/Debit Card Replacement 


Access to Discount Auto & Home Insurance

VISA Credit Card Annual Fee

TeleBranch Transaction/Acct. Inq. (person-to-person)

See Pricing Schedule

Teller Transaction/Account Inquiry

See Pricing Schedule

Official (Bank) Checks

See Pricing Schedule See Pricing Schedule See Pricing Schedule

Wire Transfers - U.S.

See Pricing Schedule See Pricing Schedule See Pricing Schedule

Incoming Wire

See Pricing Schedule.