Checking + FREE Teen Checking

An Edwards Federal Credit Union checking account is the cornerstone to your financial world. All Edwards checking accounts feature:

  • 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 Protection available for qualified members.
  • Free 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.

You can have it all FREE of charge

ANY of the following will allow you to avoid the normal $6 per month service charge:

  • Active member of the military.
  • Have a loan with a balance.
  • Maintain a minimum daily average checking balance of $1,000 or greater or
  • Maintaining a minimum daily average checking balance of $4,000 or greater total in checking plus all savings accounts combined.
  • Complete at least 25 electronic transactions per month (transactions include each use of your Edwards debit card, including use at POS terminals and ATMs; each bill paid through Edwards’ online bill payment program; and each ACH direct deposit or withdrawal).
  • Under 18 years of age or over 65.

You’ll always have around-the-clock access to your funds online, by phone, and through a global network of ATMs

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.


Organizational Checking Accounts

Open a checking account for your club or non-profit organization today. Boy Scouts, Girl Scouts, Rotary Club – benefit from the low and no-cost checking features available to members. Contact Us to open your account today.

Edwards FCU Checking Accounts and Visa Debit Cards are available to members only and subject to approval through ChexSystems.

All deposits are insured up to $250,000 by the National Credit Union Administration a federal government agency. Annual Percentage Yields are subject to change without notice. Some penalties may apply for early withdrawal.

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