SimplySmarter CheckingTM is a powerful and convenient checking account that's also a great value! It provides you with the access and convenience you expect in today’s electronic world, together with a modest monthly fee that can be reduced – or even waived – if you meet certain criteria.

Take a look at these SimplySmarter Checking benefits:

  • Unlimited check writing
  • Debit card access with fraud protection for unauthorized transactions
  • Secure online and mobile banking
  • Mobile deposits
  • Online and Mobile BillPay
  • Real-time alerts and reminders
  • Money Management online money management tool
  • Automated and manual transfers
  • Global ATM access
  • Unlimited access to NEFCU ATMs
  • Surcharge-free access at Falcon, SUMTM and CO-OP Network ATMs
  • Four free non-NEFCU ATM transactions per account per month
  • Accountline automated telephone banking access

SimplySmarter Checking features a simplified fee structure, including a reduced fee if you choose to receive your statements electronically instead of on paper. The monthly fee will be waived if you meet any of the following criteria:

  • An average monthly Checking account balance of $500 or more in the account
  • A primary or joint account holder with deposit and/or loan balances totaling $25,000 or more
  • Recurring Direct Deposits into the account, such as payroll or retirement benefits
  • A primary account holder who is either under age 25, or age 65 and above

For full checking account pricing information, please see the Pricing Schedule, or speak to any Member Service Representative.

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.

Table data for Checking
Minimum to Open & Earn APY Dividend Rate Annual Percentage Yield1 Alert Me
Checking Account $252 .05% .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. Fees could reduce earnings.

CheckMateTM Debit 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.

ATM Access

No surcharge at our ATMs. No surcharge at the Falcon, SUM, or CO-OP ATM networks.


Online access to real-time detail.

NEFCU Contact Center

Phone a live representative for assistance, Monday-Friday 8 am-6 pm, Saturday 9 am-1 pm at 800-400-8790 or 802-879-8790.


24/7 access allows you to inquire and transact on your accounts by phone at 800-400-8790 or 802-879-8739. Download a Speed Dial Guide.

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. There is a $2 fee. 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.