Checking Accounts

A Checking Account for Everyone

Whether you’re opening your first checking account or seeking one that offers rewards, Edwards FCU has an option tailored to your needs.

Benefit Everything+ Everything Basic Military Teen
Feature Image Anywhere Banking Tools
Online banking, mobile banking, bill pay, debit card and eStatement.
Feature Image Shop Local, Save Local1
Local discounts and national retailer deals to save you money on shopping, dining, travel & more.
Feature Image Cell Phone Protection2.3.
Pay your cell phone bill with your checking account, and you’re covered.
$800 /claim
$1,600 / year 
$600 /claim
$1,200 / year 
Feature Image Roadside Assistance
Available 24/7 and free to use, up to $80 in covered service charges.
Feature Image Accidental Death Coverage3
Peace of mind for the unexpected.
 $25,000 Accidental Death $10,000 Travel Accidental Death 
Feature Image Health Savings Card
Save money on prescriptions, eye exams, frames, lenses and hearing services.
Feature Image Buyer’s Protection and Extended Warranty2.3.
Items are protected for up to $2,500 per item if theft or accidental breakage occurs.
Feature Image ID Theft Aid2.3.4.
Includes personal identity theft benefit, payment card fraud resolution, and identity restoration.
$10,000 personal ID theft benefit PLUS identity and credit monitoring4   $5,000 personal ID theft benefit 
Feature Image Billshark4
Let our team of experts negotiate your internet, TV, cell phone, and home security services on your behalf, or cancel subscriptions you no longer want or need.
Feature Image Pet Insurance4
Preferred rates on pet insurance. Coverage includes free ID tags linked in pet cloud, 24/7 virtual vet, pet Rx and more!
Pricing Our best account for only $9 per month. Only $7 per month. $9, waived with eStatement and a $100 average daily balance NO FEES NO FEES

1.Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals. 2. Subject to the terms and conditions detailed in the Guide to Benefits. 3. Insurance products are: NOT A DEPOSIT. NOT NCUA-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY EDWARDS FEDERAL CREDIT UNION. 4. Requires additional activation to begin.

Plus, you get:

  • Free Online Banking and Bill Payer.  Learn more
  • Access to nearly 30,000 surcharge-free ATMs through the nationwide CO-OP®  ATM locations
  • Convenient ATM access through STAR®, Armed Forces Financial Network, and Plus Networks.
  • No fee for Visa® Debit Card purchases. Learn more
  • Can be linked to your Savings for Overdraft Protection.
  • Overdraft Priviledge available for qualified members.
  • Contactless (tap) Debit Card with worldwide acceptance.
  • Deposits and withdrawals are posted in the order that they are presented.
  • Federally insured by the National Credit Union Administration.

FREE Edwards Teen Checking

Benefits for teens, ages 13 thru 17:


  1. Edwards Teen Checking Accounts require an adult co-signer; the adult must meet the qualifications for an Edwards adult checking account.
  2. The Edwards Teen Checking Account holder is the teen, not the co-signer.
  3. A Student ID or California ID is required.
  4. An Edwards staff member will:
    • Review account features with the teen account holder.
    • Explain how to manage the account.
    • Outline the responsibilities of an EFCU Teen Checking Account holder.

Download the App Now

Apple App Store Download Link Google Play App Store Download Link

Your Visa® Debit Card

You’ll automatically receive a Visa Debit Card when you sign up for free Edwards FCU Checking. There’s no monthly service charge, no minimum balance requirement, and no per check charge.

Use it for shopping, eating out, or for Internet and over-the-phone purchases. Use it at places that don’t accept checks like department stores and movie theaters. Or use it to get cash and make deposits at a network of ATMs around the globe.

Transactions appear on your Online Banking site in real time and are also on your monthly checking statement so you have a complete record to review and save.

Worldwide ATM Access

Members on the move need fast access to their funds, and a global network of ATMs is available to you 24 hours a day, 7 days a week. Get cash, make deposits, transfer funds and more. Whether you’re across town or across the globe, you have ATM access at thousands of locations.


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