Banking Notice
Certificate Special
4.06% APY* for 18 months
Open an account below, visit a branch, or call 800.400.8790.
*APY is the Annual Percentage Yield on the deposit. Rate quoted is accurate as of March 1, 2023. Minimum to earn APY is $1,000. Early withdrawal penalties may apply. Limited time offer. Federally Insured by NCUA.
- Business Accounts
- Business Financing
- Financial Education & Wellness
SimplySmarter Checking
SimplySmarter Checking™
SimplySmarter Checking 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 Benefits
- Unlimited check writing
- Debit card access with fraud protection for unauthorized transactions
- Secure online and mobile banking
- Mobile check 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
Fees? Simple: Small or None.
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
- Monthly 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.
Questions About Checking?
If you need to know more about our checking account, debit card, or any other related services, please get in touch.
Contact Us About SimplySmarter Checking
Courtesy Pay
Avoid returned checks and other types of denied transactions due to an insufficient available balance. Find out about opt-in, opt-out, and overdraft protection options.
Learn More About Courtesy PayWhat Makes NEFCU Checking So Valuable?
NEFCU’s SimplySmarter Checking and Debit card are your gateway to benefits and services.
Checking Account and Debit Card Extras
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.
NEFCUOnline
Online access to real-time detail.
NEFCU Contact Center
Phone a live representative for assistance, Monday-Friday 8:00 am - 6:00 pm, Saturday 9:00 am - 1:00 pm at 800.400.8790 or 802.879.8790.
Accountline
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 8:00 am - 6:00 pm, Saturday 9:00 am - 1:00 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.